General Knowledge

SBI BANK CLERK GENERAL KNOWLEDGE 1. The Kishenganga Power Project is inA. Orissa B. Maharashtra C. Gujarat D. Jammu & Kashmir Ans (D) 2. The late Nirmala Desh Pande was a famous A. diplomat B. astrologer C. Social activist D. film-star Ans (C) 3. Who has been awarded the Prem Bhatia Award for the year 2008 ? A. Nilanjana Bose B. Rupashree Nanda C. Nirupama Subramanian D. None of these Ans (C) 4. Microwave ovens cook dishes by means of A. Ultraviolet rays B. Infra-red rays C. Convection D. Conduction Ans (D) 5. Most of the phenomena related to weather take place in A. stratosphere B. ionosphere C. mesosphere D. troposphere Ans (D) 6. The current President of the World Bank is A. Dominique Strauss-Kahn B. James D. Wolfansen C. Barbara Cartland D. Robert Zoellick Ans (D) 7. Amartya Sen, the NRI Nobel laureate got the honour for his work on A. Game theory B. Securities analysis C. Poverty and famines D.Impact of Industrialization Ans (C) 8. The Quit India resolution was passed at the A. Bombay session of I.N.C. in 1940 B. Bombay session of I.N.C. in 1941 C. Bombay session of I.N.C. in 1942 D. Bombay session of I.N.C. in 1945. Ans (C) 9. Who among the following is not a ghazal singer? A. Talat Aziz B. Chandan Dass C. Peenaz Masani D. Jagdev Singh Ans (D)

10. Nobel Prize for literature in 2007 was received byA. Doris Lessing B. Albert Al Gore C. Mohammad Yunus D. None of these Ans (A) 11. Meteorites are the heavenly bodies A. between the Mars and the Jupiter B. between the Saturn and the Neptune C. between the Mars and the Venus D. that burn brightly on entering the Earth’s atmosphere Ans (D) 12. P-5 is a group of A. highly developed countries B. Highly populous countries C. Permanent members of the Security Council D. Established nuclear powers Ans (C) 13. Arrange the following in chronological order: a. Dandi March b. McDonald Award c. Hanging of Bhagat Singh d. Meerut conspiracy case A. a, b, c, d B. b, a, c, d C. d, c, a, b, D. d, a, c, b Ans (A) 14. Which of the following is a land-locked state? A. Gujarat B. Andhra Pradesh C. Madhya Pradesh D. Tamil Nadu Ans (C) 15. Which of the following is not an official language as per the 8th schedule? A. Konkani B. Sindhi C. Manipuri D. English Ans (D) 16. Which of the following used in making computer chips ? A. Carbon B. Uranium C. Silicon D. Rubidium Ans (C) 17. In order to see an undersea object while in a ship, you would make use of a A. telescope B. periscope C. marinoscope D None of these Ans (B) 18. Baan Ki-moon , the UNO Secretary-General belong to A. Saudi Arab

B. Egypt C. South Korea D. Brazil Ans (C) 19. The deepest ocean in the world is A. The Indian ocean B. The Atlantic ocean C. The Pacific ocean D. None of these Ans (C) 20. The oldest mutual fund in India is the A. SBI Mutual Fund B. BOB Mutual Fund C. PNB Mutual Fund D. Unit Trust of India Ans (D) 21. A candidate for elections to the Lok Sabha stands to lose his Deposit Money if he fails to get A. 1/5 of the total valid votes B. 1/8 of the valid votes C. 1/6 of the valid votes polled D. none of these Ans (A) 22. The Varanasi–Kanyakumari National Highway is called A. N.H. – 8 B. N. H. – 7 C. N.H. – 12 D. N.H. – 9 Ans (B) 23. Which of the following areas of output is witnessing a new revolution? A. oilseeds B. fisheries C. fruits D. cereals Ans (A) 24. The W.T.O. came into being on A. 1st April, 1995 B. 1st April, 1994 C. 1st Jan., 1995 D. 1st Jan., 1996 Ans (C) 25. Bangal was partitioned during the viceroyalty of A. Lord Rippon B. Lord Curzon C. Lord Hardinge D. Lord Minto Ans (B) 26. Tata purchased Jaguar and Rover fromA. Hyundai B. Maruti-Suzuki C. Ford Motor D. General Motor Ans (C)

1.(i) 'P× Q' means 'Q' is mother of 'P'. (ii) 'P × Q' means 'P' is brother of 'Q'. (iii) 'P - Q' means 'P' is sister of 'Q'. (iv) 'P ÷ Q' means 'Q is father of 'P'. Which of the following definitely means R is grandson of K? (a) R × T ÷ K (b) M + R × T ÷ K (c) M - R × T ÷ K (d) Cannot be determined (e) None of these. Ans (e) 2. How many such pairs of digits are there in the number 95137248 each of which has as many digits between them in the number as when they are arranged in ascending order? (a) None (b) One (c) Two (d) Three (e) More than three. Ans (b) 3. In a certain code PATHOLOGIST is written as PIUBQKSRHFN. How is CONTROVERSY written in that code? (a) SUOPDNXRQDU (b) SUOPDNZTSFW (c) QSMNBPXRQDU (D) QSMNBPZTSFW (e) None of these. Ans (a) 4. In a certain code PATHOLOGIST is written as PIUBQKSRHFN. How is CONTROVERSY written in that code? (a) SUOPDNXRQDU (b) SUOPDNZTSFW (c) QSMNBPXRQDU (D) QSMNBPZTSFW (e) None of these. Ans (a) 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) Food : Hunger (b) Water : Thirst (c) Air : Suffocation (d) Talent : Education (e) Leg : Lame Ans (d) 6. 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) Crow (b) Vulture (c) Bat (d) Ostrich (e) Eagle Ans (c) 7. Which of the following has the same relationship as that of Money : wealth? (a) Pity : Kindness (b) Cruel : Anger (c) Wise : Education (d) Pride : Humility (e) None of these. Ans (a) 8. 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) 29 (b) 85 (c) 147

(d) 125 (e) 53 Ans (d) 9. If it is possible to make a meaningful word with the second, the sixth and the ninth letters of the word PERMEABILITY, which of the following will be the first letter of that word? If no such word can be formed give 'N' as the answer. If only two such words can be formed give 'D' as the answer and if more than two such words can be formed give 'Z' as the answer. (a) M (b) L (c) N (d) D (e) Z Ans (e) 10. In a certain code language BEAM is written as 5%*K and COME is written as $7K%. How is 'BOMB' written in that code? (a) 5%K5 (b) 57K5 (c) $7K$ (d) 5$%5 (e) None of these Ans (b) 11. Find the number of days from 26-1-1996 to 15-5-1996 (both days inclusive) (a) 110 (b) 112 (c) 111 (d) 113 (e) None of these Ans (a) 12. Find the wrong number in the following sequence: 22, 33, 66, 99, 121, 279, 594 (a) 279 (b) 594 (c) 121 (d) 33 (e) None of these Ans (a) 13. A father is now three times as old as his son. Five years back he was four times as old as his son. What is the age of the son now? (a) 12 (b) 15 (c) 18 (d) 20 (e) None of these Ans (a) 14. How many times between 4 a.m and 4 p.m will the hands of a clock cross? (a) 4 (b) 8 (c) 10 (d) 11 (e) None of these Ans (d) 15. Five students are sitting in row. T is on right of Z. M is on the left of Z but is on the right of L. T is on the left of Q. Who is sitting first from the left? Here students are represented by the letters T, Z, M, L and Q (a) Z (b) T (c) Q (d) L (e) None of these Ans (d) 16. ANGER : 37219 : : NEAR: (a) 7219 (b) 9132 (c) 1372 (d) 7139

(e) None of these Ans (d) 17. What is the letter immediately to the right of the letter which is seven letters to the right of 'W', considering all the letters of the alphabet written in reverse order from left to right starting from 'Z' (a) R (b) O (c) M (d) Q (e) None of these Ans (b) 18. If the first day of the year 1990 was a Monday, what day of the week was the 1st January 1998? (a) Thursday (b) Tuesday (c) Wednesday (d) Friday (e) None of these Ans (a) 19. If “good and bad” is coded as 123, “bad is ugly” is coded as 245 and “good is fair” is coded as 436, then what is the code for “fair”? (a) 1 (b) 4 (c) 6 (d) 5 (e) None of these Ans (c) 20. Choose the one from the following which is different from others (a) pen and pencil (b) tailer and shirt (c) scooter and cycle (d) sword and riffle (e) None of these Ans (b) 21. If 2 = 1, 3 = 3, 4 = 12, 5 = 60 then 6 = .....? (a) 120 (b) 180 (c) 720 (d) 360 (e) None of these Ans (d) 22. What is the next letter of the series, F, I, L, O, .....? (a) M (b) N (c) R (d) P (e) None of these Ans (c) 23. How many '5' s are there which are followed by 0 and preceded by 0 in the following series 157050700512515050050 (a) 1 (b) 5 (c) 4 (d) 3 (e) None of these Ans (d) 24. A boy goes to see a movie and sees a man sitting to his left. He found that the man was his relative. The man is the husband of the sister of his mother. How is the man related to the boy? (a) Uncle (b) Nephew (c) Brother (d) Father (e) None of these

Ans (a) 25. A person traveled 20 km in the northward direction, then traveled 4 km in eastward direction, then traveled 10 km in the northward direction again, then traveled 3 km in the eastward direction and finally traveled 6 km in the southward direction. How far is he from the starting point? (a) 17 km (b) 37 km (c) 31 km (d) 25 km (e) None of these Ans (d)

SBI CLERK REASONING ABILITY MODEL PAPER Directions : - Select the related letters / word / number / figure from the given alternatives 1 Editor : Magazine (a) Movie (b) Scene (c) Drama (d) Director 2 Hinduism , Christianity , Islam : Religion (a) Ear , Nose , Eyesight : Vision (b) Plus , Minus , Multiple : division (c) Winter , Spring , Summer : Season (d) Humid , Hot , Tundra : Region 3 WOLF : FLOW :: WARD : ? (a) BROW (b) DRAW (c) CRAW (d) SLAW 4 GRAIN : TIZRM :: BRAIN : ? (a) XRIKL (b) YIZRM(c) OPRST (d) ASQMI 5 CUT : BDTVSU :: TIP : ? (a) UVHJOQ (b) SUHJOQ (c) USJHQO (d) SUJHOQ Q-6 19 : 59 :: 17 : ? (a) 51 (b) 53 (c) 55 (d) 57 Q-7 14 : 20 :: 16 : ? (a) 23 (b) 48 (c) 10 (d) 42 Q-8 100 : 102 :: 100000 : ? (a) 105 (b) 104 (c) 1003 (d) 1004 DIRECTIONS : (QUESTIONS 9 to 13) select the one which is different from the other three . Q-9 (a) Mile (b) Centimeter (c) Litre (d) Yard Q-10 (a) High - Up (b) Past - Present (c) Often - Seldom (d) Fresh - Stale Q-11 (a) 11 - 127 (b) 9 – 85 (c) 7 – 53 (d) 5 – 29 Q-12 (a) 26 Z (b) 24 X (c) 22 V (d) 20 S Q-13 (a) 8 , 64 , 112 (b) 36 , 6 , 206

(c) 48 , 4 , 202 (d) 9 , 27 , 263 Q-14 In the following series of numerals , which digit has maximum frequency ? 846734378344563464348 (a) 8 (b) 6 (c) 4 (d) 3 Q-15 If the day after tomorrow is Friday , what day will the third day after tomorrow be (a) Saturday (b) Monday (c) Sunday (d) Friday Q-16 If the ratio of the area of two squares is 16 : 1 , then the ratio of their perimeter is (a) 4 : 1 (b) 16 : 1 (c) 1 : 3 (d) 3 : 4 Q-17 The shade of 18 ft high pole is 20 ft. . Find the length of shade of 27 ft long pole . (a) 36 ft (b) 30 ft (c) 34 ft (d) 40 ft Q-18 A scores more runs than B but less than C . D scores more than B but less than A . Who is the lowest scorer ? (a) A (b) B (c) C (d) D Q-19 In the alphabets from A to Z , which is the third letter to the right of the letter which is midway between K & S ? (a) R (b) Q (c) P (d) O Q-20 If first November falls on Monday , then what day will the 25th November be ? (a) Tuesday (b) Thursday (c) Wednesday (d) Friday Q-21 The length of room is twice its breadth . If the area of the room is 242 sq meters , then find out its breadth (a) 11 (b) 10 (c) 12 (d) 9 Q-22 If the product of two numbers is 10 & their sum is 7 , then the larger of the two number is (a) – 2 (b) 2 (c) 5 (d) 3 Q-23 Which letter is used only in one of the given words ? Speak , Reap , Shark (a) S (b) P (c) K (d) H Q-24 A tortoise covers one kilometer in 4 hours . It takes rest for 20 minutes after every kilometer .How much time does it takes for the tortoise to cover 3.5 kilometers ? (a) 14 hours (b) 13 (c) 15 (d) 12 Q-25 Of which of the following words , which one will be at the 3rd position in the dictionary ? 1. socks 2. Shocks 3. Sharp 4. snooker (a) 4 (b) 3 (c) 2 (d) 1 ANSWER 1 2 3 4 5 c c b b b 6 7 8 9 10 b d a c a 11 12 13 14 15 a d a c c

16 17 18 19 20 a b b a b 21 22 23 24 25 a c d c a SBI Clerk Reasoning Sample Paper 1 In a certain code RIPPLE is written as 613382 & LIFE is written as 8192. How is PILLER written in that code ? (a) 318826 (b) 318286 (c) 618826 (d) 328816 (e) none of these 2 If GIVE is coded as 5137 and BAT is coded as 924, How is GATE coded? (a) 5427 (b) 5724 (c) 5247 (d) 2547 (e) None of these 3 If PALE, is coded as 2134, EARTH is coded as 41590 , how is PEARL coded in that code? (a) 29530 (b) 24153 (c) 25413 (d) 25430 (e) None of these 4 If in a certain language , ENTRY is coded as 12345 & STEADY is coded as 931785 , then state which is the correct code for the SEDATE (a) 918731 (b) 954185 (c) 814195 (d) 614781 (e) None of these 5 If in a certain language , ENTRY is coded as 12345 & STEADY is coded as 931785, then state which is the correct code for the ENDEAR (a) 524519 (b) 174189 (c) 128174 (d) 124179 (e) 164983 6 If in a certain language CHARCOAL is coded as 45164913 & MORALE is coded as 296137 , how is COACH coded in that language (a) 38137 (b) 49148 (c) 48246 (d) 49145 (e) none of these 7 If in a certain language CHARCOAL is coded as 45164913 & MORALE is coded as 296137 , how is COLLER coded in that language (a) 397749 (b) 497758 (c) 483359 (d) 493376 (e) none of these 8 If in a certain language CHARCOAL is coded as 45164913 & MORALE is coded as 296137 , how is MECHRALE coded in that language (a) 95378165 (b) 25378195 (c) 27456137 (d) 27386195 (e) none of these 9 If MISTAKE is coded as 9765412 & Naked is coded as 84123 , then what will be the code for DISTANT ? (a) 3765485 (b) 4798165 (c) 3697185 (d) 4768296 (e) none of these 10 If MISTAKE is coded as 9765412 & Naked is coded as 84123 , then what will be the code for NEMISES ? (a) 7598656 (b) 8597656 (c) 8297626 (d) 435985 (e) none of these 11 If ROPE is coded as 6821 & CHAIR is coded as 73456, then what will be the code for CRAPE? (a) 73456 (b) 76421 (c) 77246 (d) 77123 (e) None of these 12 In a certain code, 15789 is written as EGKPT and 2346 is written as ALUR. How is 23549 written in that code ? (a) ALEUT (b) ALGTU (c) ALGUT (d) ALGRT (e) None of these 13 In a certain code, a number 13479 is written as AQFJL and 5268 is written as DMPN. How is 396824 written in that code? (a) QLPNKJ (b) QLPNMF (c) QLPMNF (d) QLPNDF (e) None of these In a certain language 36492 is written as SMILE and 058 is written as RUN, How are the following figures coded in that language ? Q:14 33980 (a) SSLNR (b) SSLRN (c) SLSNR (d) SLNRS (e) None of these 15 6458

(a) MUIN (b) MINU (c) INUM (d) MIUN (e) IUMN 16 92486 (a) LEIMN (b) ELINR (c) LEINM (d) EILNM (e) LIENM 17 54324 (a) SIUEI (b) UISEI (c) USIIE (d) UISIE (e) SUEII 18 90089 (a) NLLRN (b) LRLNN (c) LLRRN (d) LRRNL (e) RLLNN 19 3425 (a) SEIU (b) SIUE (c) SRUI (d) RUSI (e) SIEU 20 29463 (a) ELISM (b) ELIMS (c) LIMSE (d) EILMS (e) None of these 21 If in a certain language PRIVATE is coded as 1234567 & RISK is coded as 2398, How is RIVETS coded in that language? (a) 687543 (b) 234769 (c) 496321 (d) 246598 (e) None of these. 22 If PLAY is coded as 8123 &RHYME is coded as 49367, How is MALE coded as ? (a) 6217 (b) 6198 (c) 6395 (d) 6285 (e) None of these 23 In a certain code language 24685 is written as 33776. How is 35791 written in that code. (a) 44882 (b) 44880 (c) 46682 (d) 44682 (e) None of these. 24 In a certain code language 35796 is written as 44887. How is 35791 written in that code (a) 57914 (b) 55914 (c) 5934 (d) 5714 (e) None of these. 25 If MINJUR is coded as 312547 & TADA as 6898, How can MADURAI be coded as? (a) 3498178 (b) 3894871 (c) 384971 (d) 3894781 (e) None of these. Answers With Explantion :1. The alphabets are coded as shown i. e. P as 3, I as 1, L as 8, E as 2, & R as 6. So, PILLER is coded as 318826. 2. The alphabets are coded as shown i. e. G as 5, A as 2, T as 4 & E as 7. So GATE is coded as 5247. 3. The alphabets are coded as shown i. e. p AS 2, E as 4, A as 1, R as 5, & L as 3. So PEARL is coded as 24153. 4. S is coded as 9, E as 1, D as 8, A as 7 & T as 3. So SEDATE is coded as 918731. 5. E is coded as 1, N as 2, D as 8, A as 7 & R as 4. So ENDEAR is coded as 128174. 6. C is coded as 4, O as 9, A as 1 & H as 5. 7. C is code as 4, O as 9, L as 3, E as 7, & R as 6. So, COLLER is coded as 493376. 8. M is coded as 2, E as 7, C as 4, H as 5, R as 6, A as 1 & L as 3. So, MECHRALE is coded as 27456137. 9. D is coded as 3, I as 7, S as 6, T as 5, A as 4, & N as 8. So the DISTANT is coded as 3765485. 10. N is coded as 8, E as 2, M as 9, I as 7 & S as 6. So NEMISES is coded as 8297626. 11. C is coded as 7, R as 6, A as 4, P as 2, & E as 1. So CRAPE is coded as 76421. 12. 2 is coded as A, 3 as L, 5 as G, 4 as U & 9 as T. So 23549 is coded as ALGUT. 13. 3 is coded as Q, 9 as L, 6 as P, 8 as N, 2 as M & 4 as F. So 396824 is coded as QLPNMF. 14. 3 is coded as S, 9 as L, 8 as N & 0 as R. So 33980 is coded as SSLNR. 15. 6 is coded as M, 4 as 1, 5 as U & 8 as N. So 6458 is coded as MIUN. 16. 9 is coded as L, 2 as E, 4 as I, 8 as N, & 6 as M. So, 92486 is coded as LEINM. 17. 5 is coded U, 4 as I, 3 as S & 2 as E. So 54324 is coded as UISEI. 18. 9 is coded as L, 0 as R & 8 as N. So, 90089 is coded as LRRNL. 19. 3 is coded as S, 4 as I, 2 as E & 5 as U. So 3425 is coded as SIEU. 20. 2 is coded as E, 9 as L, 4 as I, 6 as M & 3 as S. So, 29463 is coded as ELIMS. 21. R is coded as 2, I as 3, V as 4, E as 7, T as 6 & S as 9. So, RIVETS is coded as 234769. 22. Here M is coded as 6 , A is coded as 2 , L is coded as 1 , E is coded as 7 , therefore male is coded as 6217 23. In the code the letters at odd places are one place ahead & those at even places are one place before the corresponding letter in

the word. So in 35791, 3is written as 4, 5 as 4,7 as 8, 9 as 8 & 1 as 0. The code becomes 44880. 24. 4 will be written as 5, 5 as 6, 8 as 9, 2 as 1, 3 as 4. So the code is 5914. 25. Code is M as 3, A as 8, D as 9, U as 4, R as, 7 & I as 1. So, MADHRI is coded as 3894781.

SBI PO SOLVED EXAM PAPER 2008 - General Awareness & Computer Knowledge 1. Which of the following statement (s) reflects India’s stand on new World Trade Organization’s proposal on the issue of the subsidy to agro products ? (1) India would protect the interest of its poor farmers who can not bear the burden of the cost of the products if they have to sell them on cheaper rate. (2) Indian industry needs more flexibility as compared to the industry in developed countries. (3) WTO has set up a new committee under the chairmanship of Putin of Russia to look into the issue of subsidy and find out a solution to the problem acceptable to all the parties. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 2 (E) None of these ANS (A) 2. Which of the following statement (s) is / are true about the 11th five year plan of India ? (1) The highest priority is given to exports ,education and development of steel sector. (2) The plan aims at achieving the growth at 10 % level by the end of the plan. (3) The Rashtriya Krishi Vikas Yojana is revived in such a way so that it can be achieve a growth nof 4 % for agriculture sector. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 2 (E) None of these ANS (D) 3. As per the figures released recently the Stock markets in emerging economies made handsome returns last year (2007-08). Which of the following stock markets amongst the BRIC nations registered highest increased (97 %) compared to its performance in 2006-07 ? (A) Cina (B) Brazil (C) Russia (D) India (E) None of these ANS (D) 4. Bayana which was in news recently is a place in (A) Uttar Pradseh (B) Madhya Pradseh (C) Bihar (D) Haryana (E) Rajasthan ANS (E) 5. Which of the following statement (s) is / are correct about the Indo-Russia Bilateral Defence Ties ? (1) Both the countries have decided to produce a fifth generation fighter aircraft and a multi role cargo plane. (2) India has agreed to launch Russian missiles from its base at Chandipur incase some other nation attacks on Russia (3) India and Russia were able to sort out differences over the utilization of Rupee debt fund which is of Rs. 8000 Crore at present. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 3 only (E) None of these ANS (A) 6. India has recently decided to put a wire fence on the 76 km. long border in Dhudri district in Assam. The fence will separate India from (A) Nepal (B) China (C) Bangladesh (D) Myanmar (E) Pakistan ANS (C)

7. As we all know the Govt. of India is very keen about providing banking service to the people in rural and remote areas . However , banks feel that the cost of providing services in these areas for financial inclusion is quite high if services are offered through the “traditional branch channel “. What is / are the other alternative cost effective channel (s) to fulfill this aim of the Govt. of India ? (1) Putting biometric ATMs. (2) Introduce mobile banking. (3) Issue credit or debit cards (A) Only 1 (B) Only 2 (C) Only 3 (D) All 1,2 & 3 (E) None of these ANS (B) 8. The Govt. of India recently issued a notification altering constituencies in 24 States and Union territories. This is done as per the provision of which of the following Acts? (A) Delimitation Act (B) Census Act (C) Parliament Act (D) State Reorganization Act (E) None of these ANS (A) 9. As we read very frequently in the newspaper fraudulent activities in financial world is still continuing despite various efforts made by various countries to prevent them. As an estimate by IMF, what is the probable amount derived from such illegal activities which is laundered through the world’s formal financial systems every year? About (A) US$ 500 billion (B) US$ 800 billion (C) US$ 1000 billion (D) US$ 1250 billion (E) US$ 1500 billion ANS (D) 10. Indian Prime Minister during his visit the Arunachal Pradesh a few months back asserted that the State is India’s Land of Rising Sun. Which of the following countries did not like his statement and had raised some objection over his visit to Arunachal Pradesh which is very much a part of India? (A) Myanmar (B) China (C) Bangladesh (D) Bhutan (E) Nepal ANS (B) 11. Which of the following is the amount of insurance cover provided to the workers of the unorganized sector under Rashtriya Swasthya Bima Yojana? (A) Rs. 10,000/(B) Rs. 20,000/(C) Rs. 30,000/(D) Rs. 40,000/(E) Rs. 50,000/ANS (C) 12. Which of the following is NOT one of the highlights Economic Survey presented in the Lok Sabha for the year 2007-08? (A) Economy has “moved to higher growth phase” (B) A trend of acceleration in domestic investment and saving rate is recorded. (C) Buoyant growth in Govt. revenue. (D) Indian Economy at market rate of exchange crossed 1 trillion US$ in current fiscal. (E) Net Foreign direct Investment increased by 350 % . ANS (E) 13. Which of the following is / are correct about sub prime crisis which was in news recently? (1) It has reduced the flow of capital coming of Indian Stock Markets. (2) The sub prime crisis is the major financial crisis whose origin is in the Russia and Brazil. It has adversely affected the economy of Europe and USA. (3) The crisis started when some people started trading with false Share certificates of major blue chip US companies in the stock markets. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 2

(E) None of these ANS () 14. The Prime Minister Gram Sadak Yojana (PMGSY) has a target to connect all habitations of which of the following levels with all weather roads by 2008-09? (A) 1000+ (B) 2000+ (C) 3000+ (D) 4000+ (E) None of these ANS (A) 15. As we all know the value of the Indian rupee has appreciated in the recent past . The value of the Rupee is direct dependent on which of the following? (A) Availability of commodities in the market. (B) VAT introduced by the Govt. on various commodities. (C) Size of total Forex Reserve of India currently. (D) Capital flow in the market during a given period of time. (E) None of these ANS (A) 16. Which of the following banks has taken over the Centurion Bank of Punjab? (A) ICICI Bank (B) IDBI Bank (C) HDFC Bank (D) AXIS Bank (E) None of these ANS (C) 17. As per provision made in Bharat Nirman programme the pace of creation of irrigation facilities is required to be raised from present level of 1.42 million hectare per year in such a way so that it can achieve the target level fixed for the same? (A) 1.50 million hectares / year (B) 1.75 million hectares / year (C) 2.00 million hectares / year (D) 2.25 million hectares / year (E) 2.50 million hectares / year ANS (D) 18. Inflation has become major area of concern in India these days. What measures do the Govt. pf India / RBI normally take to control the same? (1) Fixation of Maximum Price of the Commodities (2) System of Dual prices. (3) Increased in supply of food grains. (4) Control on credit and liquidity in market. (A) Only 1 (B) Only 2 (C) Only 3 (D) Only 2,3 & 4 (E) All 1,2,3 & 4 ANS (D) 19. How much edcation cess is being levied on all the taxes to support elementary education for the children of age group of 6-14 years under Sarva Shiksha Abhiyan (SSA)? (A) 0.50% (B) 0.75% (C) 1.00% (D) 1.5O% (E) 2.00% ANS (E) 20. Which of the following is / are correct about various concessions given in the Union Budget for 2008-09? (1) Five years tax holidays for setting up hospitals in Tier II & Tier III regions for providing health care in rural areas. (2) Commodities tax transaction to be introduced. (3) Banking cash transaction tax withdrawn. (A) Only 1 (B) Only 2 (C) Only 3 (D) Only 2 & 3

(E) All 1,2 & 3 ANS (E) 21. Which of the following statements reflects the aim (s) Jawaharlal Nehru National Urban Renewal Mission (JNNURM)? (1) Give focused attention to integrated development of infrastructure in selected cities. (2) Provide basic services to the urban poors (3) Scale up civic amenities and provision of utilities in urban areas. (A) Only 1 (B) Only 2 (C) Only 3 (D) All 1,2 & 3 (E) None of these ANS (D) 22. The Press Freedom Day is observed on which of the following days? (A) 1st May (B) 1st June (C) 3rd May (D) 3rd June (E) 10th June ANS (C) 23. As per the decision taken by the Govt. of India now the National Rural Employment Guarantee Act is extended to all the districts of India. This means it will now be applicable to about(A) 200 districts (B) 300 districts (C) 400 districts (D) 500 districts (E) 600 districts ANS (E) 24. As per the reports published by the Ministry of Finance recently the overseas borrowings by the Corporates and currency fluctuation has gone up by which of the following percentage points? About (A) 1% (B) 2% (C) 3% (D) 4% (E) 5% ANS (C) 25. The Govt. of India and Reserve Bank of India is planning to set up an autonomous “ATM corporation of India” in which various banks can get together for common ATM operations. If this happens how will we all be benefited by the same? (1) It will be a cost effective measure as each bank can share its operational cost with others. (2) Clients can withdrawn money from any ATM from any location. They are not required to go to their banks’ ATM only. (3) It will indirectly help the IT business also as India has a large pool of IT skilled manpower waiting for suitable placement. (A) Only 1 (B) Only 2 (C) Both 1 & 2 (D) All 1,2 & 3 (E) None of these ANS (C) 26. As per the news published in various newspapers the Govt. of India has decided to create a Strategic Reserve of (A) Oil & Petroleum (B) Rasoi Gas (C) Food grains (D) Cement & Steel (E) None of these ANS (C) 27. The Govt. of India had constituted a high level committee on financial sector reforms with Raghuram G. Rajan as its Chairman. Which of the following is / are the recommendations of the committee? (1) Liberalize the interest rate that banks/institution can charge to ensure credit for poors. (2) Create an office of the Ombudsman exclusively for financial sector. (3) Do not allow foreign investors in domestic stock markets. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 2

(E) None of these ANS (E) 28. Yves Leterme has taken over as the prime minister of (A) Newzealand (B) Belgium (C) Croatia (D) Portugal (E) None of these ANS (E) 29. The State Bank of India recently opened its 10000th branch in Puduvayal (Tamil Nadu). Only a bank in China has more branches than State Bank of India in the world. What is the name of that Chinese bank? (A) Shanghai Commercial Bank (B) Bank of China (C) China Banking Corporation (D) Industrial and Commercial Bank of China (E) None of these ANS (D) 30. Many a times we read about ‘Globalization’ and its impact on business practice in India. Which of the following is NOT one of the important parameters of ‘Globalization’? (1) Reduction of trade barriers to permit free flow of goods and services amongst various nations. (2) Developing an environment in which free flow of capital can take place. (3) Promoting local industry to cater to the needs of the consumers in Tier II and Tier III cities. The production from metros should be reserved only for exports. (A) Only 1 (B) Only 2 (C) Only 3 (D) All 1,2 & 3 (E) Both 2 & 3 ANS (D) 31. Many times we read a term CBS used in banking operation. What is the full form of the letter ‘C’ in the term ‘CBS’? (A) Core (B) Credit (C) Continuous (D) Complete (E) None of these ANS (A) 32. As per news published in newspapers the Oil & Natural Gas Commission (ONGC) has purchased some oil assets in Latin American Countries along with one other major company of India . What is the name of that company? (A) Hindustan Petroleum Corporation (B) Indian Oil Corporation (C) Reliance Industries Ltd. (D) National Mineral Development Corporation of India (E) None of these ANS (E) 33. India’s First centre to monitor climate change was opened recently at (A) New Delhi (B) Chennai (C) Jaipur (D) Bangalore (E) Kolkata ANS (B) 34. Which of the following Acts was framed specially to deal more effectively with the problem of Non-Performing Assets in banking system? (A) SARFAESI ACT. (B) Banking Regulation Act. (C) Foreign Exchange Management Act. (D) Industrial Dispute Act. (E) None of these ANS (A) 35. The —- shows all the websites and pages that you have visited over a period of time. (A) status bar

(B) task bar (C) history list (D) tool bar (E) None of these ANS (C) 36. A proxy server is used for the which of the following? (A) To provide security against unauthorized users (B) To process client requests for web pages (C) To process client requests for database access (D) To provide TCP/IP (E) None of these ANS (A) 37. A repair for a known software bug, usually available at no charge on the internet , is called a (n) — (A) version (B) Patch (C) Tutorial (D) FAQ (E) None of these ANS (B) 38. In the URL http://www.upscportal.com/, the portion labelled http is the — (A) host (B) domain name (C) protocol (D) top-level domain (E) None of these ANS (C) 39. Which of the following organizations has recently given a US$ 600 million loan to Power Grid Corporation of India , a Govt. run organization? (A) Asian Development Bank (B) World Bank (C) International Monetary Fund (D) Bank of America (E) None of these ANS (B) 40. The ability to easily add additional users means that a network is – (A) Scalable (B) dedicated (C) Decentralized (D) Secure (E) None of these ANS (A) 41. In a database , a field is a – (A) lable (B) table of information (C) group of related records (D) category of information (E) None of these ANS (C) 42. The number of pixels displayed on a screen is known as the screen– (A) resolution (B) colour depth (C) refresh rate (D) viewing size (E) None of these ANS (A) 43. Wor processing , spreadsheet , and photo-editing are example of – (A) application software (B) system software (C) operating system software (D) platform software

(E) None of these ANS (A) 44. If you wish to extend the length of the network without having the signal degrade, you would use a — (A) repeater (B) router (C) gateway (D) switch (E) None of these ANS (A) 45. A—- is approximately a million bytes. (A) gigabyte (B) kilobyte (C) megabyte (D) terabyte (E) None of these ANS (C) 46. The time it takes a device to locate data and instructions and make them available to CPU is known as – (A) clock speed (B) a processing cycle (C) CPU speed (D) access time (E) None of these ANS (D) 47. ——– controls the way in which the computer system functions and provides a means by which users are interact with the computer. (A) The platform (B) The operating system (C) Application software (D) The motherboard (E) None of these ANS (B) 48. ——– means that the data contained in a database is accurate and reliable. (A) Data redundancy (B) Data integrity (C) Data reliability (D) Data consistency (E) None of these ANS (B) 49. A(n) —— is a private corporate network, used exclusively by company employees. (A) Internet (B) local area network (C) peer-to-peer (D) intranet (E) None of these ANS (B) 50. A characteristic of a file server is which of the following? (A) Manages file operations and is shared on a network (B) Manages file operations and is limited to one PC (C) Acts as fat client and is shared on a network (D) Acts as fat client and is limited to one PC (E) None of these ANS (A)

SBI Clerk Solved Question Papers Of Previous Year (2007) (General Awareness) 1.Who amongst the following cricketers became the ninth indian to claim 150 or more wickets? (a) A.Kumble (b) A.Agarkar (c) S.Tendulkar (d) Harbhajan Singh

(e) None of these Ans (c) 2. Who amongst the following returned to earth after a lomg 195 days stay in space ? (a) Angei Brewer (b) Mike Leinbach (c) Shruti Vadera (d) Sunita Williams (e) None of these Ans(d) 3. Japan PM shinzo Abe came to office last year with huge support in his favour. But since last few months he is facing problems in his political survival. Which of the following actions taken by him does / do not enjoy support of the people of Japan (Pick up the correct statement) ? 1. Decision to postpone parliament elections. 2. Falling to control inflation which has gone to the level of 12% an unusual phenomenon in the history of Japan . 3. Decision to allow USA to make an army Base in some of its Islands where USA will have its nuclear war-heads (a) Only 2 (b) Only 1 (c) Both 1 and 2 (d) Only 3 (e) All 1, 2 and 3 Ans(c) 4. European leaders agree on traty was the news in leading news paper in recent past . Which of the following was the treaty on which leadres were of diverse views (Pick up the correct statement) ? 1. The treaty was to make the EURO money a universal currency for all financial / monetary transaction done by all the member countries w.e.f. April 2009. 2. Treaty was to defunct constitution of the Eropean Union by a new one. 3. Poland one of the newest members of the union was threatening to use its veto power if any change is done in the present set up of the organization. (a) only 1 (b) only 2 (c) only 3 (d) Both 1 and 2 (e) Both 2 and 3 Ans(b) 5. “Rajpaksha threatens to resolve Lanka parliament” was the news in leading newspaper a few days back . Which of the following was the reason owing to which president threatens to take a drastic step ? (pick up the correct statements). 1. A number of MPs from Sri Lanka Freedom party defecting to join another party launched by another group of politicians. 2. A group of politicians under the leadership of former president Chandrika Kumartunga demanding the postponement of elctions for the post of president due in the month of November 2007 so that Chandrika can came back from exile and contest for the same. 3. Rajapaksha wants general public and also MPs to support his formula on peace with LTTE which is not accepatble to most of the MPs. (a) All 1,2 and 3 (b) Only 2 (c) Only 3 (d) Both 1 and 2 (e) Only 1 Ans(a) 6. Madhesi national liberation front (MNLF) is an organixation active in which of the following countries ? (a) Pakistan (b) Myanmar (c) Uganda (d) Iran (e) Nepal Ans(e) 7. As per the Economic survey 2006-07 the food grain production may not touch the target fixed for the year. What is the atrget of the same set for the period? (a) 100 million tonnes (b) 220 million tonnes (c) 175 million tonnes (d) 250 million tonnes (e) 320 million tonnes Ans(b)

8. Which of the following sector banks brought its equity share (follow on public issue) for the price was set as Rs. 940 per equity ? (a) ICICI Bank (b) Karnataka Bank (c) UTI Bank (d) HDFC Bank (e) None of these Ans(a) 9. Prime minister of India recently unveiled an agricultural package during his visit to 53rd meeting of the National Development Concil. What is the size of the package > (a) Rs. 10,000 Crores (b) Rs. 1s,000 Crores (c) Rs. 20,000 Crores (d) Rs. 25,000 Crores (e) Rs. 30,000 Crores Ans(d) 10. Which of the following States achieved 100% financial inclusion (each and every family in the state has atleast one bank account). ? (a) Delhi (b) Maharashtra (c) West Bengal (d) Kerala (e) None of these Ans(d) 11. Rafael Nadal won the French Open men’s single title 2007 after defeating who amongst the follwing ? (a) Mark Knowles (b) Mahesh Bhupati (c) Daniel Nestor(d) Pawel Vizner (e) Roger Federer Ans(e) 12. Who amongst the following has taken over as the chairman of the 18th Law Commission set-up recently ? (a) Justice A.R.Lakshmanan (b) Justice Bhagwan Das Rana (c) Justice T.L.Venkatraman Iyer (d) Mrs. Suryakanta Patil (e) None of these Ans(a) 13. Who amongst the following was honoured with the Jawaharlal Nehru award for the International Understanding given away recently ? (a) Mr. Umaru Yar Adua (b) Mr. Luiz Inacio Lula Da Silva (c) Mr. Vladimir Putin (d) Mr. Felipe Calderon (e) None of these Ans(b) 14. Who amongst the following actors won the award for Best actor in 8th International Film Academy Award Ceremony held recently? (a) Saif Ali Khan (b) Sanjay Dutt (c) Arshad Warsi (d) Abhishek Bachchan (e) Hrithik Roshan Ans(e) 15. Which of the following rates is not decided by the Reserve Bank of India ? (a) Bank Rate (b) Repo Rate (c) Reserve Repo Rate (d) Income Tax Rates (e) All of these Ans(d) 16. The world Economic forum was held recendly in (a) Malaysia (b) Kuwait

(c) Iran (d) Brazil (e) Indonesia Ans(a) 17. Which of the following African countries recently launched its communication satellite for the first time (The satellite was launched from China) ? (a) Nigeria (b) Keniya (c) Zimbabwe (d) Mauritius (e) None of these Ans(a) 18. ‘Dausa’ which has been in news recently is a town in (a) Gujarat (b) Madhya Pradeh (c) Bihar (d) Uttar Pradesh (e) Rajasthan Ans(e) 19. Which of the following was the major issue of discussion in the G-8 Summit held in Germany ? (a) Subsidy to agro product (b) Climate protection (c) Financial Aid to Iraq (d) Nuclear technology and possiblity of space war (e) None of these Ans(b) 20. Which of the following countries has decided to build a road to the Base camp of Mt. Everest ? (a) India (b) China (c) Nepal (d) Myanmar (e) None of these Ans(b)

State Bank of India Clerical Exam Model Qn paper

1. Sum of smallest six digit no. and greatest five digit no. is: a. 199999 b. 201110 c. 211110 d. 1099999 e. None of these 2. Value of 112 * 54. is : a. 6700 b. 70000 c. 76500 d. 77200 e. None of these 3. 1399*1399 a. 1687401 b. 1901541 c. 1943211 d. 1957201 e. None of these 4. When a no. is multiplied by 13 product consist of all 5’s. The smallest such no. is a. 41625 b. 42135

c. 42515 d. 42735 e. None of these 5. If n is –ve no. then which of the following is least. a. 0 b. –n c. 2n d. n2 e. None of these 6. If -1<=x <=2 and 1<= y <= 3 then least value of 2y-3x is : a. 0 b. -3 c. -4 d. -5 e. None of these 7. The least prime no. is : a. 0 b. 1 c. 2 d. 3 e. None of these 8. The sum of prime no.’s b/w 60 and 75 is: a. 199 b. 201 c. 211 d. 272 e. None of these 9. Total no. of even prime no.’s is : a. 0 b. 1 c. 2 d. None e. None of these 10. How many No’s B/w 400 and 600 begin with or end with digit 5. a. 40 b. 100 c. 110 d. 120 e. None of these 11. The digit in unit’s place of product 81*82……..*89 is: a. 0 b. 2 c. 6 d. 8 e. None of these 12. The sum of first 45 natural no’s is : a. 1035 b. 1280 c. 2070 d. 2140 e. None of these 13. The unit’s digit in the product of 771 * 659 * 3 65 is : a. 1 b. 2 c. 4 d. 6 e. None of these 14. Which no. is exactly divisible by 11 a. 235641

b. 245642 c. 315624 d. 415624 e. None of these 15. The largest natural no. which exactly divides the product of any 4 consecutive natural no’s is: a. 6 b. 12 c. 24 d. 120 e. None of these 16. The diff. b/w squares of 2 consecutive odd integers is always divisible by: a. 3 b. 6 c. 7 d. 8 e. None of these 17. The smallest no. to be added to 1000 so that 45 divides the sum exactly is : a. 10 b. 20 c. 35 d. 80 e. None of these 18. The least no. which must be subtracted from 6709 to make it exactly divisible by 9 is : a. 2 b. 3 c. 4 d. 5 e. None of these 19. Find the no. nearest to 99547 and exactly divisible by 687: a. 98928 b. 99479 c. 99615 d. 100166 e. None of these 20. The least no. by which 72 must be multiplied in order to produce a multiple of 112 is a. 6 b. 12 c. 14 d. 18 e. None of these 21. Which largest no. of 5 digits is divisible by 99: a. 99909 b. 99981 c. 99990 d. 99999 e. None of these 22. A no. when divided by 114 leaves the remainder 21 if same no. is divided by 19 the remainder will be a. 1 b. 2 c. 7 d. 21 e. None of these 23. The diff. b/w 2 no’s is 1365 when larger no. is divided by smaller the quotient is 6 and the remainder is 15. The smaller no. is : a. 240 b. 270 c. 295 d. 360 e. None of these

24. The divisor is 10 times the quotient and 5 times the remainder if remainder is 46 then dividend is : a. 4236 b. 4306 c. 4336 d. 5336 e. None of these 25. A four digit no. divisible by 7 becomes divisible by 3 when 10 is added to it the largest such no. is : a. 9947 b. 9987 c. 9989 d. 9996 e. None of these ANSWERS WITH EXPLANATION : 1) a 2) 1120000/16 = b 3) (1400-1)*(1400-1) = d 4) 555555/13 = d 5)c 6)c 7)c 8)d 9)b 10)c 11)a 12)a 13)c 14)d 15)c 16)d 17)a 18)c 19)c 20)c 21)c 22)d 23)b 24)d 25)b

SBI Expected Examination Paper (REASONING) Part - 1 I. In a certain code BELOW is written as FCKVN. How is GIVEN written in that code? (1) JHWMD (2) HJUMD (3) JHMUD (4) JHTJMD (5) None of these 2. How many such pairs of letters are there in the world SPLENIC each of which has as many letters between them in the word as there are between them in the English alphabet? (1) Four (2) Two (3) Three (4) One (5) None of these 3. If’x’ neans ‘÷‘, ‘÷‘means ‘+‘, ‘+‘ means ‘—‘ and — means ‘x’, then ________ 2_50+40x 10 ÷96=? (1) 104 (2) 98 (3) 182 (4) 192 (5) None of these 4. How many such pairs of digits are there in the number 82615943 each of which has as many digits between them in the number as when the digits are rearrangement in ascending order within the number? (1) Three (2) One (3) Four (4) Two (5) None of these 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 the group? (1) 84 (2) 76 (3) 56 (4) 24 (5) 94 6. Four of the following five are alike in a certain way based on their positions in the English alphabet and so form a group. Which is the one that does not belong to the group ? (1) FL (2) NR (3) TX (4) BG (5) DH Directions (7-11) : Study carefuHy the following arrangement of letters, digits and symbols and answer the questions given below £LMP2=3VD*9CF@÷ 4NT$7W ?HK6 7. If all the digits are removed from the arrangement, then which of the following will be the 6th to the left of the 14th element from the left end?

() * (2) D (3) C (4) V (5) None of these 8. If all the letters are removed from the arrangement, then which of the following will be the 8th to the right of the 13th element from the right end? (1) 4 (2) ÷ (3) $ (4) @ (5) None of these ‘ 9. How many such symbols are there in the arrangement, each of which is immediately followed by a letter but not immediately preceded by a digit? (1) Nil (2) One (3) Two (4) Three (5) None of these 10. ‘M=2’ : ‘V9*’ in the arrangement in the same way as ‘@N4’:? (1) $ ? 7 (2) TW7 (3) TW$ (4) 7HW (5) None of these 11. Four of the following five are alike in a certain way based on the position of their elements in the arrangement and so form a group. Which is the one that does not belong to the group? (1) LM (2) 9F4* (3) VDC3 (4) ÷$@ (5) 7WKS Directions (12-16) Study carefully the following information and answer the questions given below: (i) Seven members A, B, C, D, E, F and G are sitting in a circle and are facing the centre. (ii) G is third to the left ofA (iii) F is third to the left of B (iv) D is not the neighbour of G (v) C is the neighbour of A (vi) B is to the immediate left of A 12. What si the position of E? (1) To the immediate right of B (2) Between G and F (3) Third to the right of C (4) To the immediate right of G (5) None of these 13. Which of the following is TRUE? (1) D is to the immediate left of C (2) F is to the immediate right of G (3) A is between B and C (4) C is between D and F (5) None of these 14. Which of the following is NOT TRUE? (1) A is 4th to the right off (2) B is to the immediate left of E (3) C is 3rd to the left of G (4) D is 4th to the right of E (5) None of these 15. Which of the following pairs has its first member sitting to the immediate right of the second member? (1) EB (2) AC (3) DC

(4) GE (5) None of these 16. Which of the following pairs has it 2nd member sitting to the immediate right of the first member? (1) FD (2) GF (3) AB (4) FC (5) None of these 17. In a certain code FROM is written as #$52 and BASE is written as %7?@. How is SOME written in that code? (1) 5?2@ (2) ?5@2 (3) ?52% (4) ?52@ (5) None of these 18. In a row of4O children facing North, Satish is eighth to the right ofAjay. IfAjay is 18th from the right end of the row, how far is Satish from the left endof the row? (1) 32nd (2) 10th (3) 31st (4) 29th (5) None of these 19. M is father of N, L is brother of M, P is mother of L. How is N related toP? (1) Grandson (2) Nephew (3) Granddaughter (4) Cannot be determined (5) None of these Directions (20-24) : In each of the questions given below, a group of digits is given followed by four combinations of letters/symbols numbered (1), (2), (3) and (4). You have to find out which of the four combinations correctly represents the group of digits based on the letter! symbol codes and the conditions given below. If none of the four combinations represents the group of digits correctly, give (5) i.e., ‘None of these’ as the answer. Digit

3

9

6

2

8

7

5

4

1

Letter symbol

m

=

$

@

p

A

D

V

*

Conditions for coding the group of digits: (i) If the first digit is odd and last digit is even, the codes for the first and the last digits are to be interchanged (ii) If the first as well as the last digit is even, both are to be coded by the code for last digit. (iii) If the first as well as the last digit is odd, both are to be coded as ‘X’. 20. 285961 (1) @PDS* (2) @ADS*(3) @PVS* (4) @PDSV (5) None of these 21. 972486 (1) =A@VPS (2) SA@VP= (3) SD@VP=’ (4) SA@4= (5) None of these 22. 834762 (I) PMVASP (2)PMVAS@ (3) @MVASP (4) @MVAS@ (5) None of these 23. 785291

(1) APD@*X (2) APD@=X (3) XPD@=X (4) XPD@=* (5) None of these 24. 748956 (1) AVP=DS (2) SVP=DS (3) AVP=DA (4) S*P=DA (5) None of these 25. If’A’ is denoted by ‘2’ ‘B’by ‘4’, ‘C’ by ‘6’ and so on, then what will be the sum of the ‘ numeric values of the letters of the word ‘OWL’? (1) 110 (2) 90 (3) 100 (4) 102 (5) None of these 26. Which of the fallowing indicates similar relationship as ‘LOVE’ has with ‘VOEL’? (1) DIVE: IVED (2) SAKE: KASE (3) LIME : ELMI (4) TUNE : UNET (5) None of these 27. After arranging the letters of the word ‘DIAL’ in alphabetical order, each letter is substituted by the next second letter in the English alphabet. What will be the resultant form of the word ? (1) NKFC (2) CFKN (3) CGKN (4) CFKO (5) None of these 28. In a certain code ‘PURE’ is written as ‘QVQD’ and ‘COPE’ is written as ‘DPOD’ How is ‘WHEN’ written in that code? (1) XIFO (2) VGDM (3) XIDM (4) VGFO (5) None of these Directions (29-32) : These questions are based on the following numbers 385 472 961 528 284 29. If the first and the second digits of each number are interchanged and the new set of numbers thus obtained is arranged in descending order, which number will be sedond ? (1) 284 (2) 385 (3) 472 (4) 461 (5) 528 30. If’ 1’ is subtracted from the first digit and ‘1’ is added to the middle digit of each number, which number will be the lowest? (1) 385 (2) 472 (3) 284 (4) 528 (5) 961 31. if the first and the thing digits of each number are interchanged and the set of numbers thus obtained is arranged in the asecnding order, which number will be second? 1. 385 2. 284 3. 528 4. 472 5. None of these. 32. if for each number, the 1st digit becomes the 2nd digit, the 2nd digit becomes the 3rd digit and the 3rd digit becomes the 1st digit, then which number in the new set of numbers will be the lowest. 1. 472 2.961 3. 528 4. 284 5. 385 Directions :(33-36) : Each of the following question below consists of a question and two statements numbered I and II given below it , you have to decide whether the data provided in statements are sufficient to answer the question. Read both the statements and _____ Given answer(1) if the data in statement I alone are sufficient to answet the questions, the data in statement II alone are not sufficient to answer the question. Give answer (2).if the data in Statement II alone are sufficient to answer the question, while the data in statement I alone are not sufficient to question. Given answer (3) if the data in Statement I alome or in statement II alone are sufficient to answer the question. Give answer (4) if the data in both statements I and II together are not sufficient to answer the question,. Give answer (5) if the data in both the statements I and II together are necessary to answer the question.

33. what is the code for ‘clever’ I. ‘very clever boy’ is coded as ‘le pa na’ II. ‘boys are very quick’ is coded as ’se pe ne le’ 34. What is Hemant’s rank in the class of 40 students ? I. Sudha is 5 ranks below Hemant in the class II. Suresh, who is 10 ranks ahead of Sudha, is 25th from the bottom in the class 35. Who is the oldest among A,B, C, D & E? I. A and B are older than E and D. II. B, who is older than A, D and E, is not the oldest 36. ‘M’ is in which direction with respect to ‘N’? I. ‘M’ is the West of’P’ and to the North of ‘0’, ‘N’ is to the West of’P’ and to the East-North of’O’ II. ‘P’ who is to the East-North of ‘0’ is to the East of M and N Directions (37-40) : In each question below are given three Statements followed by three Conclusions numbered I, II and III. 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. 37. Statements: Some cycles are busses. All cars are buses. Some buses are trains. Conclusions: I. All cares are cycles. II. Some trains are buses. III. Some trains are cars. (1) None follows (2) Only I and II follow (3) Only land Ill follow (4) Only II and Ill follow (5) None of these 38. Statements: All pencils are sticks. Some sticks are notes. All diaries are notes. Conclusions: I. Some notes are diaries. II. Some sticks are pencils. III. Some diaries are sticks. (1) AIlfollow (2) Only Ifollows (3) Only I and II follow (4) Only II follows (5) None of these 39. Statements: Some buds are leaves. No leaf is fruit. Some fruits are buds. Conclusions: I. Some fruits are leaves. II. All buds are fruits. III. Some leaves are buds. (1) Only I or II follows (2) Only Ill follows (3) Onlyllfollows (4) None follows (5) None of these

40. Statements: Some birds are animals. All animals are rivers. Some rivers are lions. Conclusions: I. Some lions are animals II. Some rivers are birds III. No animal is lion (1) Only 11 follows (2) Only either I or Ill follows (3) Only II and Ill follows (4) II and either I or III follow (5) None of these Directions (41-50) : In each of the questions given below which one of the five answer figures on the bottom should come after the problem figures on the top, if the sequence were continued ?

State Bank of India Clerk Exam Solved Paper Solved Question paper 2008 : English Language General English : Directions – (questions 41 to 55) Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.

A large majority of the poor in India are outside the formal banking system. the policy o financial inclusion sets out to remedy this by making available a basic banking ‘no frills’ account either with nil or very minimum balances as well as charges that would make such accounts accessible to vast sections of the population. However, the mere opening of a bank account in the name of every house hold or adult person may not be enough, unless these accounts and the financial services offered to them are used by the account holders. T present, commercial banks do not find it viable to provide services to the poor especially in the rural areas because of huge transaction costs, low volumes of savings in the accounts, lack of information on the account holder, etc. For the poor, interfacing with the banks with their paper work, economic costs of going to the bank and the need for flexibility in their accounts, make them turn to other informal channels or other institutions. Thus, there are constraints on both the supply and the demand side.

Till now, banks were looking at these accounts from a purely credit perspective. Instead , they should look at this from the point of view of meeting the huge need of the poor for savings.poor households want to save and contrary to the common perception, do have the funds to save , but lack control . informal mutual saving systems like the rotating savings and the credit associations , widespread in Africa and ‘thrift and credit groups’ in india demonstrate that poor households save. For the poor household, which lacks access to the formal insurance system and the credit system , savings provide a safety net and help then tide over crisis. Savings can also keep them away from the cluthes of mone lenders,make formal institutions more favourable to lending them shift to more productive activities, as they may invest in slightly more risky activities which have an overall higher rate of return. Research shows the efficacy of nformal institutions in increasing the savings of the small account holders.an MFI in the Philippines, which had existing account holders, was studied. They offered new products with’commitment features’. One type had withdrawal restrictions in the sense that it required individuals to restrict their own accounts until the reached a self-specified and documented goal. The other type was deposit options. Clients could purchase a locked box for a small fee. The key was with the bank and the client has to bring the box to the bank to make a deposit. He could not dip into savings even if he wanted to. These accounts did not pay any extra money and were illiquid. Surprisingly, these products were popular even though these had restrictions. Results showed that those who opted for these accounts with restrictions had substantially greater saving rates than those who did not.the policy of financial inclusioncan be a success if financial inclusion focuses on both saving needs and credit needs, having a diversified product portfolio for the poor but recognizing that self control problems need to be addressed by having commitment devices. The products with commitment features should be optional. Furthermore transactions costs for the poor could be cut down, by making innovative use of technology available and offering mobile vans with ATM and deposit collection features which could visit villages periodically.

41. What is the aim of the financial inclusion policy? (A) A focus on savings needs rather than credit need of the poor (B) minimizing utilization of technology in banks so as to reduce transaction costs for the poor

(C)to boost low savings volumes in banks by encouraging savings among the rural poor. (D) to make formal basic banking services available to the poor. (E) to regulate the rate at which moneylenders lend to the poor

42. the author’s main objective in writing the passage is to— (A) criticize the concept of financial inclusion (B) point out the problems of financial inclusion (C) discuss ways of making the financial inclusion policy successful (D) compare financial inclusion policies of different countries (E) cite research in support of role of MFIs in achieving financial inclusion

43. Which of the following can be inferred about products with commitment features? 1. Demand for such products was high. 2. They were an effective means of increasing the savings of small account holders. 3. Such facilities can only be offered by informal institutions like MFIs. (A) All 1, 2 and 3. (B) Only 2 (C) Both 1 and 2 (D) Both 1 and 3 (E) None of these

44. Why do the poor not utilize banking services? 1. Informal institutions offer higher rates of interest than those in banks. 2. Costs of reaching banks have to be borne by the poor. 3. Bank personnel do not treat the poor respectfully because their savings amounts are minimal. (A) only 2 (B) both 1 and 2 (C) both 2 and 3 (D) all 1,2and 3 (E) none of these

45. Which of the following is a recommendation made by the author regarding financial inclusion? (A) Reduce the paper work involved by seeking less information about the account holder. (B) Lower transaction costs by utilizing latest technology. (C) Make commitment features compulsory for all savings accounts. (D) Entrust the responsibility of financial inclusion solely to MFIs (E) Provide credit facilities even to those without savings accounts

46. Which of the following factors affects ‘savings’ behavior among the poor? (1) Threats from moneylenders if they avail of banking services. (2) Documentation required before availing of banking services. (3) Lack of self control. (A) Only 1 (B) All 1, 2 and 3 (C) Only 3 (D) Both 2 and 3 (E) None of these

47. What do the results of the study conducted in Philippines indicate? (A) Account holders in MFIs have higher savings rates than banks. (B) Many of the poor have to turn to moneylenders because of strict restrictions in MFLs (C) Having accounts with restriction on withdrawal requires the bank to offer a higher rate of interest (D) There should be strong security measures for deposit option accounts for the poor (E) None of these

48. Which of the following is true in the context of the passage? (A) There are no informal means for the poor to save in India (B) Having savings encourages the poor to invest only I low risk ventures

(C) There is a huge demand for savings facilities among poor house holds (D) Presently commercial banks feel that it is feasible to provide banking services to the poor in rural areas (E) There are many official innovative savings like ROSCAs in Africa

49. What is/are the outcome(s) of encouraging savings for the poor? 1. It frees them from the exploitation of moneylenders. 2. Banks are more willing to disburse loans to those who save. 3. They should invest in risky but high return ventures. (A) Only 1 (B) Both 1 and 2 (C) Only 3 (D) All 1, 2 and 3 (E) None of these 50. What was the view of banks regarding the bank accounts of the poor in the past? (A) They were considered a problem since account holders information needed to be updated constantly (B) Focus should be more on providing savings facilities not credit (C) Moneylenders should be regulated so that they share responsibility of disbursing loans to the poor (D) Products with commitment features will not be successful (E) None of these Directions— (Q 51-53) choose the word which is most nearly the same in meaning as the word printed in bold as used in the passage. 51. Purely:

52. Demonstrate:

(A) Morally

(A) Protest

(B) Honestly

(B) Occur

(C) Completely

(C) Estimate

(D) Perfectly

(D) Appear

(E) Cleanly

(E) Prove

53. Remedy: (A) Medicine (B) Solve (C) Restore (D) Therapy (E) Heal

Directions— (Q54-55) choose the word which is the most opposite in meaning of the word printed in bold as used in the passage. 54. Optional: (A) voluntary (B) Compromise (C) Pressure (D) mandatory (E) Free 55. Accessible: (A) Convenient (B) Unavailable (C) Unfavorable (D) Unpleasant

(E) formal

Directions— (Q 56-65) read each sentence to find out whether there is any error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E). (Ignore errors of punctuation, if any). 56. The scheme failed because / some states could not / manage not to (A) (B) (C) raise/ the necessary funds. (D) (E) No error

57. Real estate prices in the / business district of the city / are expected to (A) (B) (C) rise / at 155 this year. (D) (E) No error

58. By so early as next year /that leading investment bank/ has plans to (A) (B) (C) open / an office in new Delhi. (D) (E) No error

59. There is lots of / supports from the employees / for the proposal to / (A)

(B) (C)

merge with the parent company. (D) (E) no error

60. Experts have recommended that/ the government reconsidered/ (A) (B) restrictions imposed o foreign / investment in real estate. (C) (D) (E) No error 61. the crucial point to / be discussed at the /meetings is how to / well (A) (B) (C)

implement the policy. (D) (E) No error

62. He wants to / set up a laboratory / to undertake research / into a (A) (B) (C) vaccine for cancer. (D) (E) No error

63. According to him/ two factors which are /needy for success / are (A) (B) (C) discipline and diligence. (D) (E) No error 64. Because of the pace at / which the company is growing/ I believe it will (A) (B)

(C)

easily / achieve their target. (D) (E) No error

65. It is truth / that India is / the largest consumer of / gold in the world. (A)

(B)

(C)

(D)

(E) No error Directions— (Q 66- 70) which of the phrases (A),(B),(C)and (D)given below should replace the phrase given in bold in the followings sentence to make the sentence grammatically meaningful and correct. If the sentence is correct as it is and ‘no correction is required’ mark (E) as the answer.

66. The bank is overstaffed, has led to low productivity. (A) Led to (B) Will lead towards (C) And has led in (D) which has led to (E) no correction required

67. You delay in taking a decision conveys a negative impression. (A) You delay to take (B) If you delay taking (C) Your delay in taking (D) To delay by taking (E) No correction required

68. Today management student itself are opted to work for NGOs even though the salaries offered to them are low. (A) student itself is (B) students themselves are (C) students have (D) student himself has (E) no correction required 69. absence off any guidelines, they are unwilling to take up the project. (A) absent of (B) in the absence of (C) because of the absence (D) without being absent (E) no correction required 70. without the development of rural people in the country can no claim to be developed. (A) can never claim (B) being claimed (C) not able to claim (D) have not any claim (E) no correction required Directions—(Q 71-75) in each question below a sentence with four words printed in bold type is given.these are lettered as (A),(B),(C) and (D) . one of these words prined in bold may either wrongly spelt or inappropriate in the context o the sentence. Find out the word,which is wrongly spelt or inappropriate,if any.the numberof that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark (E) i.e “all correct” a your answer. 71. the organization preferred to hire locale population as they (A) (B) understood the language and customer preferences. (C) (D) (E) all correct

72. In our opinion the exicting assessment system requires immediate (A) (B)

(C)

revision. (D) (E) all correct

73. In responds to the advertisement a sizeable number of candidates (A) (B) have submitted their applications (C) (D) (E) all correct

74. there is no guarantee that I this model is adopted the entire sector (A) (B) (C) (D) will prosper. (E) all correct

75. with the unique initiative the company hopes to sustain its currant (A) (B) (C) (D) growth rate. (E) all correct

Directions— (Q 76-80) in each of the following sentences there are two blank spaces.below each five pairs of words have been denoted by letters (A),(B),(C),(D) and (E).find out which pair of words can be filled up in the blanks in the sentence in the same sequence to make the sentence meaningfully complete . 76. Mr. Srinivasan is ………….. to become chairman of the group …………. The retirement of his father. (A) set ,following (B) voted ,subsequent (C) selected ,despite (D) approved ,because (E) decided ,after 77. ……………… to your error the ……………. Consignment has been delayed by a week. (A) according ,important (B) duly ,urgent (C) owig ,entire (D) added ,crucial (E) admitting ,special 78. on account of the …………….. in sales the software firm has achieved an eight percent ……………… in net profit. (A) surge ,fall (B) increase ,rise (C) decline ,slope (D) hike ,loss (E) growth , advance 79. we are proud to say that today……………… 26 percent of our total accounts are ………….. by women and senior citizens. (A) approximate, held (B) nearly ,authorized (C) over ,maintain (D) above ,open (E) around ,operated

80. the company has ……………. Special training to employees on ………….. to trade online. (A) announced ,benefits (B) offered ,course

(C) imparted ,risks (D) sanction ,skills (E) provided, how

Key's : 41. (D) 42. (C) 43. (D) 44. (A) 45. (B) 46. (D) 47. (A) 48. (C) 49. (B) 50. (E) 51. (C) 52. (E) 53. (B) 54. (D) 55. (B) 56. (C) 57. (E) 58. (A) 59. (A) 60. (B) 61. (D) 62. (E) 63. (C) 64. (D) 65. (A) 66. (D) 67. (C) 68. (C) 69. (B) 70. (A) 71. (B) 72. (A) 73. (A) 74. (E) 75. (D) 76. (A) 77. (C) 78. (B) 79. (E) 80. (E)

Solved Paper State Bank of India Clerk Exam 2008 General English (Held on 6-7-2008) Directions— Directions— (Q. 41–45) Read each sentence to find out whether there is any error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E). (Ignore errors of punctuation, if any) 41. Many multinational companies (A) / have not been as (B) /successful in India (C) /than we expected. (D) No error (E) 42. He has ruined (A) /his eyesight (B) /by not using (C) /his spectacles regularly. (D) No error (E) 43. Mostly of the (A) /newly recruited officers (B) /have no experience (C) /in the banking sector. (D) No error (E) 44. The resignation of (A) /one of our directors (B) /have caused the price (C) / of shares to fall. (D) No error (E) 45. There are many (A) /ways of which (B) /inflation can (C) /be measured. (D) No error (E) Directions— (Q. 46–50) Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you to locate them while answering some of the questions. The yearly festival was close at hand. The store room was packed with silk fabrics. gold ornaments, clay bowls full of sweet curd and platefuls of sweetmeats. The orders had been placed with shops well in advance. The mother was sending out gifts to everyone. The eldest son, a government servant, lived with his wife and children in far off lands. The second son had left home at an early age. As a merchant he travelled all over the world. The other sons had split up over petty squabbles, and they now lived in homes of their own. The relatives were spread all across the world. They rarely visited. The youngest son, left in the company of a servant, was soon bored and stood at the door all day long, waiting and watching. His mother, thrilled and excited, loaded the presents on trays and plates, covered them with colourful kerchiefs, and sent them off with maids and servants. The neighbours looked on. The day came to an end. All the presents had been sent off. The child came back into the house and dejectedly said to his mother, “Maa, you gave a present to everyone, but you didn’t give me anything !” His mother laughed, “I have given all the gifts away to everyone, now see what’s left for you.” She kissed him on the forehead. The child said in a tearful voice, “Don’t I get a gift ?” “You’ll get it when you go far away.” “But when I am close to you, don’t I get something from your own hands ?” His mother reached out her arms and drew him to her. “This is all I have in my own hands. It is the most precious of all.” 46. Why did the woman's second son travel ? (A) He was restless by nature (B) He did not want to stay at home (C) He was rich and could afford to travel (D) His job was such that he had to travel (E) None of these 47. Why did the woman’s eldest son not attend the festival ? (A) He was not on good terms with his youngest brother who lived at home (B) He had quarrelled with his mother (C) His wife did not allow him to return home (D) His job prevented him from taking leave (E) None of these 48. How did the woman prepare for the festival ? 1. She bought expensive gifts for her children and neighbours. 2. She ordered her servants to prepare sweets and food well in advance. 3. She made sure that her youngest child was looked after so that he wouldn’t be bored. (A) None (B) Only 1 (C) Only 2

(D) Both 1 and 2 (E) All 1, 2 and 3 49. What did the youngest child do while his mother was busy ? 1. He waited for a chance to steal some sweetmeats. 2. He pestered his mother to give him a present. 3. He stood at the door with servants. (A) Only 1 (B) Only 2 (C) Both 1 and 3 (D) Only 3 (E) None of these 50. Which of the following can be said about the woman ? (A) She was a widow who had brought up her children single handedly (B) She was not a good mother since her children had left home at an early age (C) She enjoyed sending her family gifts at festival time (D) She gave expensive presents to show that she was wealthy (E) She rarely visited her grand-children because they all lived abroad 51. What did the boy receive from his mother ? (A) She taught him the value of patience (B) She encouraged him to grow up and live independently like his brothers (C) She showed him the importance of giving expensive gifts (D) She gave him a hug to express her love (E) None of these 52. Which of the following is TRUE in the context of the passage ? (A) The woman usually ignored her youngest son (B) The woman’s eldest son lived abroad (C) The members of the woman’s family did not care about her (D) The woman made all the preparations herself since she did not want to burden the servants (E) The woman sent gifts to her children to ensure that they visited her Directions—(Q. 53–54) Choose the word which is most nearly the SAME in meaning as the word printed in bold as used in the passage. 53. Left (A) Gone (B) Quit (C) Remaining (D) Disappeared (E) Forgot 54. Packed (A) Filled (B) Squeezed (C) Crowd (D) Collected (E) Untidy 55. Choose the word which is most OPPOSITE in meaning of the word dejectedly as used in the passage. (A) Calmly (B) Happily (C) Willingly (D) Fortunately (E) Softly Directions—(Q. 56–60) Which of the phrases (A), (B), (C) and (D) given below should replace the phrase given in bold in the following sentence to make the sentence grammatically meaningful and correct. If the sentence is correct as it is and ‘No correction is required.’ mark (E) as the answer. 56. Each of the loan must be approved by the Branch Manager— (A) Every loan (B) Each one of the loan (C) Any of the loan (D) All of the loan (E) No correction required

57. The issue was taken before the Municipal Corporation meeting last week— (A) Taking place at (B) Taken after (C) Being taken in (D) Taken up at (E) No correction required 58. He has asked for the names of those employees involved in the project. (A) had asked (B) having asked about (C) was asked that (D) is asking (E) no correction required 59. Considerate the traffic, it is better to leave for the airport an hour early— (A) While considering (B) Consideration of (C) Considering (D) Being considerate to (E) No correction required 60. He is a good leader, knowing that to motivate his employees to achieve— (A) That known when (B) Who knows how (C) Which knows how (D) Knowing what (E) No correction required Directions—(Q. 61–65) Rearrange the following six sentences (1), (2), (3), (4), (5) and (6) in the proper sequence to form a meaningful paragraph; then answer the questions given below them. (1) The able bodied men of the tribe gathered to discuss how to climb the mountain. (2) As part of their plundering they kidnapped a baby of one of the families. (3) One day the mountain tribe invaded those living in the valley. (4) “We couldn’t climb the mountain. How could you?”, they asked, “It wasn’t your baby !” she replied. (5) There were two tribes in the Andes–one lived in the valley and the other high up in the mountains. (6) Two days later they noticed the child’s mother coming down the mountain that they hadn’t yet figured out how to climb. 61. Which of the following should be the SECOND sentence after rearrangement ? (A) (1) (B) (2) (C) (3) (D) (4) (E) (5) 62. Which of the following should be the FIFTH sentence after rearrangement ? (A) (6) (B) (5) (C) (4) (D) (3) (E) (2) 63. Which of the following should be the FIRST sentence after rearrangement ? (A) (1) (B) (2) (C) (3) (D) (4) (E) (5) 64. Which of the following should be the SIXTH (LAST) sentence after rearrangement ? (A) (1) (B) (2) (C) (3) (D) (4) (E) (5) 65. Which of the following should be the THIRD sentence after rearrangement ? (A) (1)

(B) (2) (C) (3) (D) (4) (E) (5) Directions—(Q. 66–70) In each question below a sentence with four words printed in bold type is given. These are lettered (A), (B), (C) and (D). One of these four words printed in bold may be either wrongly spelt or inappropriate in the context of the sentence. Find out the word, which is wrongly spelt or inappropriate, if any. The letter of that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence mark (E) i.e., all correct as your answer. 66. The income (A) of many people in rural (B) India is not adequate (C) to satisfy (D) their basic needs. All correct (E) 67. He is always (A) prompt (B) in caring (C) out instructions. (D) All correct (E) 68. The revized (A) rates (B) of interest will be effective (C) immediately. (D) All correct (E) 69. Such transactions (A) are quiet (B) expensive (C) and time consuming (D) for customers. All correct (E) 70. The guidelines (A) of the new scheme (B) are expected (C) to be finally (D) soon. All correct (E) Directions—(Q. 71–80) 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/ phrases are suggested one of which fits the blank appropriately. Find out the appropriate word in each case. I used to look …(71)… to the holidays. I was usually …(72)… to my uncle’s house where I …(73)… his children. I did not get paid a salary for …(74)… What I received in return however, was far more …(75)… My uncle was an avid reader. During the time I spent with his family I had an …(76)… to read the vast amount of books and magazines that he possessed. This improved my English to some … (77)… Reading became my new …(78–79)… spending my pocket money on a ticket to the cinema I began to …(80)… books. This has benefited me greatly.

71. (A) forward (B) towards (C) backward (D) up (E) around 73. (A) cared (B) occupy (C) guarded (D) taught (E) played

72. (A) went (B) sent (C) visited (D) travelled (E) gone 74. (A) them (B) whom (C) this (D) now (E) which

75. (A) expensive (B) deserving (C) helping (D) demanding (E) valuable 76. (A) opportunity (B) ability (C) use (D) encouragement (E) achievement

77. (A) distance (B) extent (C) time (D) limits (E) degrees 78. (A) activity (B) hope (C) hobby (D) duty (E) worship

79. (A) despite (B) though (C) by (D) instead of (E) while 80. (A) sell (B) read (C) exchange (D) invest (E) buy

Answers with Explanations : 41. (D) Replace ‘than’ with ‘as’. 42. (E) 43. (A) Change ‘Mostly’ to ‘Most’. 44. (C) Change ‘have’ to ‘has’. 45. (B) Replace ‘of’ with ‘in’ 46. (D) 47. (E) 48. (A) 49. (D) 50. (C) 51. (D) 52. (B) 53. (C) 54. (A) 55. (C) 56. (A) 57. (D) 58. (E) 59. (C) 60. (B) 61. (C) 62. (A) 63. (E) 64. (D) 65. (B) 66. (E) 67. (C) 68. (A) 69. (E) 70. (D) 71. (A) 72. (B) 73. (D) 74. (C) 75. (E) 76. (A) 77. (B) 78. (C) 79. (D) 80. (E)

Paper : State Bank Of India Probationary Officer Exam 2008 Solved Paper 1. Which of the following statement(s) reflects India's stand on new World Trade Organization's proposal on the issue of the subsidy to agro products ? (1) India would protect the interest of its poor farmers who can not bear the burden of the cost of the products if they have to sell them on cheaper rate. (2) Indian industry needs more flexibility as compared to the industry in developed countries. (3) WTO has set up a new committee under the chairmanship of Putin of Russia to look into the issue of subsidy and find out a solution to the problem acceptable to all the parties. (A) Only 1

(B) Only 2 (C) Only 3 (D) Both 1 & 2 (E) None of these Ans : (A) 2. Which of the following statement(s) is / are true about the 11th five year plan of India ? (1) The highest priority is given to exports ,education and development of steel sector. (2) The plan aims at achieving the growth at 10 % level by the end of the plan. (3) The Rashtriya Krishi Vikas Yojana is revived in such a way so that it can be achieve a growth nof 4 % for agriculture sector. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 2 (E) None of these Ans : (D) 3. As per the figures released recently the Stock markets in emerging economies made handsome returns last year (2007-08). Which of the following stock markets amongst the BRIC nations registered highest increased (97 %) compared to its performance in 2006-07 ? (A) China (B) Brazil (C) Russia (D) India (E) None of these Ans : (A) 4. Bayana which was in news recently is a place in— (A) Uttar Pradseh (B) Madhya Pradseh (C) Bihar (D) Haryana (E) Rajasthan Ans : (E) 5. Which of the following statement (s) is / are correct about the Indo-Russia Bilateral Defence Ties ? (1) Both the countries have decided to produce a fifth generation fighter aircraft and a multi role cargo plane. (2) India has agreed to launch Russian missiles from its base at Chandipur incase some other nation attacks on Russia (3) India and Russia were able to sort out differences over the utilization of Rupee debt fund which is of Rs. 8000 crore at present. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 3 only (E) None of these Ans : (A) 6. India has recently decided to put a wire fence on the 76 km. long border in Dhudri district in Assam. The fence will separate India from— (A) Nepal (B) China (C) Bangladesh (D) Myanmar (E) Pakistan Ans : (C) 7. As we all know the Govt. of India is very keen about providing banking service to the people in rural and remote areas . However , banks feel that the cost of providing services in these areas for financial inclusion is quite high if services are offered through the "traditional branch channel ". What is / are the other alternative cost effective channel(s) to fulfill this aim of the Govt. of India ? (1) Putting biometric ATMs. (2) Introduce mobile banking. (3) Issue credit or debit cards (A) Only 1 (B) Only 2 (C) Only 3 (D) All 1, 2 & 3 (E) None of these Ans : (B) 8. The Govt. of India recently issued a notification altering constituencies in 24 States and Union territories. This is done as per the provision of which of the following Acts?

(A) Delimitation Act (B) Census Act (C) Parliament Act (D) State Reorganization Act (E) None of these Ans : (A) 9. As we read very frequently in the newspaper fraudulent activities in financial world is still continuing despite various efforts made by various countries to prevent them. As an estimate by IMF, what is the probable amount derived from such illegal activities which is laundered through the world's formal financial systems every year? About (A) US$ 500 billion (B) US$ 800 billion (C) US$ 1000 billion (D) US$ 1250 billion (E) US$ 1500 billion Ans : (A) 10. Indian Prime Minister during his visit the Arunachal Pradseh a few months back asserted that the State is India's Land of Rising Sun. Which of the following countries did not like his statement and had raised some objection over his visit to Arunachal Pradseh which is very much a part of India? (A) Myanmar (B) China (C) Bangladseh (D) Bhutan (E) Nepal Ans : (B) 11. Which of the following is the amount of insurance cover provided to the workers of the unorganized sector under Rashtriya Swasthya Bima Yojana? (A) Rs. 10,000/(B) Rs. 20,000/(C) Rs. 30,000/(D) Rs. 40,000/(E) Rs. 50,000/Ans : (C) 12. Which of the following is NOT one of the highlights Economic Survey presented in the Lok Sabha for the year 2007-08? (A) Economy has "moved to higher growth phase" (B) A trend of acceleration in domestic investment and saving rate is recorded. (C) Buoyant growth in Govt. revenue. (D) Indian Economy at market rate of exchange crossed 1 trillion US$ in current fiscal. (E) Net Foreign direct Investment increased by 350% . Ans : (E) 13. Which of the following is / are correct about sub prime crisis which was in news recently? (1) It has reduced the flow of capital coming of Indian Stock Markets. (2) The sub prime crisis is the major financial crisis whose origin is in the Russia and Brazil.It has adversely affected the economy of Europe and USA. (3) The crisis started when some people started trading with false Share certificates of major blue chip US companies in the stock markets. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 2 (E) None of these Ans : (D) 14. The Prime Minister Gram Sadak Yojana (PMGSY) has a target to connect all habitations of which of the following levels with all weather roads by 2008-09? (A) 1000+ (B) 2000+ (C) 3000+ (D) 4000+ (E) None of these Ans : (A) 15. As we all know the value of the Indian rupee has appreciated in the recent past . The value of the Rupee is direct dependent on which of the following? (A) Availability of commodities in the market.

(B) VAT introduced by the Govt. on various commodities. (C) Size of total Forex Reserve of India currently. (D) Capital flow in the market during a given period of time. (E) None of these Ans : (A) 16. Which of the following banks has taken over the Centurion Bank of Punjab? (A) ICICI Bank (B) IDBI Bank (C) HDFC Bank (D) AXIS Bank (E) None of these Ans : (B) 17. As per provision made in Bharat Nirman Programme the pace of creation of irrigation facilities is required to be raised from present level of 1.42 million hectare per year in such a way so that it can achieve the target level fixed for the same? (A) 1.50 million hectares / year (B) 1.75 million hectares / year (C) 2.00 million hectares / year (D) 2.25 million hectares / year (E) 2.50 million hectares / year Ans : (D) 18. Inflation has become major area of concern in India these days. What measures do the Govt. of India / RBI normally take to control the same? (1) Fixation of Maximum Price of the Commodities (2) System of Dual prices. (3) Increased in supply of food grains. (4) Control on credit and liquidity in market. (A) Only 1 (B) Only 2 (C) Only 3 (D) Only 2, 3 & 4 (E) All 1, 2, 3 & 4 Ans : (D) 19. How much Education Cess is being levied on all the taxes to support elementary education for the children of age group of 6-14 years under Sarva Shiksha Abhiyan (SSA)? (A) 0.50% (B) 0.75% (C) 1.00% (D) 1.50% (E) 2.00% Ans : (E) 20. Which of the following is / are correct about various concessions given in the Union Budget for 2008-09? (1) Five years tax holidays for setting up hospitals in Tier II & Tier III regions for providing health care in rural areas. (2) Commodities tax transaction to be introduced. (3) Banking cash transaction tax withdrawn. (A) Only 1 (B) Only 2 (C) Only 3 (D) Only 2 & 3 (E) All 1, 2 & 3 Ans : (E) 21. Which of the following statements reflects the aim(s) Jawaharlal Nehru National Urban Renewal Mission (JNNURM)? (1) Give focused attention to integrated development of infrastructure in selected cities. (2) Provide basic services to the urban poors (3) Scale up civic amenities and provision of utilities in urban areas. (A) Only 1 (B) Only 2 (C) Only 3 (D) All 1, 2 & 3 (E) None of these Ans : (D) 22. The Press Freedom Day is observed on which of the following days? (A) 1st May

(B) 1st June (C) 3rd May (D) 3rd June (E) 10th June Ans : (C) 23. As per the decision taken by the Govt. of India now the National Rural Employment Guarantee Act is extended to all the districts of India. This meAns : it will now be applicable to about— (A) 200 districts (B) 300 districts (C) 400 districts (D) 500 districts (E) 600 districts Ans : (E) 24. As per the reports published by the Ministry of Finance recently the overseas borrowings by the Corporates and currency fluctuation has gone up by which of the following percentage points? About— (A) 1% (B) 2% (C) 3% (D) 4% (E) 5% Ans : (C) 25. The Govt. of India and Reserve Bank of India is planning to set up an autonomous "ATM corporation of India" in which various banks can get together for common ATM operations. If this happens how will we all be benefited by the same? (1) It will be a cost effective measure as each bank can share its operational cost with others. (2) Clients can withdrawn money from any ATM from any location. They are not required to go to their banks' ATM only. (3) It will indirectly help the IT business also as India has a large pool of IT skilled manpower waiting for suitable placement. (A) Only 1 (B) Only 2 (C) Both 1 & 2 (D) All 1, 2 & 3 (E) None of these Ans : (C) 26. As per the news published in various newspapers the Govt. of India has decided to create a Strategic Reserve of— (A) Oil & Petroleum (B) Rasoi Gas (C) Food grains (D) Cement & Steel (E) None of these Ans : (C) 27. The Govt. of India had constituted a high level committee on financial sector reforms with Raghuram G.Rajan as its Chairman. Which of the following is / are the recommendations of the committee? (1) Liberalize the interest rate that banks/institution can charge to ensure credit for poors. (2) Create an office of the Ombudsman exclusively for financial sector. (3) Do not allow foreign investors in domestic stock markets. (A) Only 1 (B) Only 2 (C) Only 3 (D) Both 1 & 2 (E) None of these Ans : (E) 28. Yves Leterme has taken over as the prime minister of— (A) Newzealand (B) Belgium (C) Croatia (D) Portugal (E) None of these Ans : (B) 29. The State Bank of India recently opened its 10000th branch in Puduvayal (Tamil Nadu). Only a bank in China has more branches than State Bank of India in the world. What is the name of that Chinese bank? (A) Shanghai Commercial Bank (B) Bank of China (C) China Banking Corporation

(D) Industrial and Commercial Bank of China (E) None of these Ans : (D) 30. Many a times we read about 'Globalization' and its impact on business practice in India. Which of the following is NOT one of the important parameters of 'Globalization'? (1) Reduction of trade barriers to permit free flow of goods and services amongst various nations. (2) Developing an environment in which free flow of capital can take place. (3) Promoting local industry to cater to the needs of the consumers in Tier II and Tier III cities. The production from metros should be reserved only for exports. (A) Only 1 (B) Only 2 (C) Only 3 (D) All 1,2 & 3 (E) Both 2 & 3 Ans : (D) 31. Many times we read a term CBS used in banking operation. What is the full form of the letter 'C' in the term 'CBS'? (A) Core (B) Credit (C) Continuous (D) Complete (E) None of these Ans : (A) 32. As per news published in newspapers the Oil & Natural Gas Commission (ONGC) has purchased some oil assets in Latin American Countries along with one other major company of India . What is the name of that company? (A) Hindustan Petroleum Corporation (B) Indian Oil Corporation (C) Reliance Industries Ltd. (D) National Mineral Development Corporation of India (E) None of these Ans : (E) 33. India's First centre to monitor climate change was opened recently at— (A) New Delhi (B) Chennai (C) Jaipur (D) Bangalore (E) Kolkata Ans : (B) 34. Which of the following Acts was framed specially to deal more effectively with the problem of Non-Performing Assets in banking system? (A) SARFAESI ACT. (B) Banking Regulation Act. (C) Foreign Exchange Management Act. (D) Industrial Dispute Act. (E) None of these Ans : (A) 35. The————shows all the websites and pages that you have visited over a period of time. (A) status bar (B) task bar (C) history list (D) tool bar (E) None of these Ans : (C) 36. A proxy server is used for the which of the following? (A) To provide security against unauthorized users (B) To process client requests for web pages (C) To process client requests for database access (D) To provide TCP/IP (E) None of these Ans : (A) 37. A repair for a known software bug,usually available at no charge on the internet, is called a(n)— (A) version

(B) Patch (C) Tutorial (D) FAQ (E) None of these Ans : (B) 38. In the URL http:/ /www .prenhall.com, the portion lebelled http is the— (A) host (B) domain name (C) protocol (D) top-level domain (E) None of these Ans : (C) 39. Which of the following organizations has recently given a US$ 600 million loan to Power Grid Corporation of India,a Govt. run organization? (A) Asian Development Bank (B) World Bank (C) International Monetary Fund (D) Bank of America (E) None of these Ans : (B) 40. The ability to easily add additional users meAns : that a network is— (A) Scalable (B) dedicated (C) Decentralized (D) Secure (E) None of these Ans : (A) 41. In a database, a field is a— (A) lable (B) table of information (C) group of related records (D) category of information (E) None of these Ans : (C) 42. The number of pixels displayed on a screen is known as the screen— (A) resolution (B) colour depth (C) refresh rate (D) viewing size (E) None of these Ans : (A) 43. Wor processing , spreadsheet , and phoyo-editing are example of— (A) application software (B) system software (C) operating system software (D) platform software (E) None of these Ans : (A) 44. If you wish to extend the length of the network without having the signal degrade, you would use a— (A) repeater (B) router (C) gateway (D) switch (E) None of these Ans : (A) 45. A————is approximately a million bytes. (A) gigabyte (B) kilobyte (C) megabyte (D) terabyte (E) None of these

Ans : (C) 46. The time it takes a device to locate data and instructions and make them available to CPU is known as— (A) clock speed (B) a processing cycle (C) CPU speed (D) access time (E) None of these Ans : (D) 47. ——————controls the way in which the computer system functions and provides a me Ans by which users are interact with the computer. (A) The platform (B) The operating system (C) Application software (D) The motherboard (E) None of these Ans : (B) 48. ——————me Ans that the data contained in a database is accurate and reliable. (A) Data redundancy (B) Data integrity (C) Data reliability (D) Data consistency (E) None of these Ans : (B) 49. A(n) —————— is aprivate corporate network,used exclusively by company employees. (A) Internet (B) local area network (C) peer-to-peer (D) intranet (E) None of these Ans : (B) 50. A characteristic of a file server is which of the following? (A) Manages file operations and is shared on a network (B) Manages file operations and is limited to one PC (C) Acts as fat client and is shared on a network (D) Acts as fat client and is limited to one PC (E) None of these Ans : (A)

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