• SBI PO Exam 2013: Test-IV: English Language

    (Exam held on 28-04-2013)

     

    Q No Questions
      Directions (Questions. 151-160): Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.
      Financial Inclusion (FI) is an emerging priority for banks that have nowhere else to go to achieve business growth. The viability of FI Business is under Question, because while banks and their delivery partners continue to make investments, they haven’t seen commensurate returns. In markets like India, most programmes are focused on customer on boarding, an expensive process which people often find difficult to afford, involving issuance of smart cards to the customers. However, large scale customer acquisition hasn’t translated into large-scale business, with many accounts lying dormant and therefore yielding no return on the bank’s investment. For the same reason. Business Correspondent Agents, who constitute the primary channel for financial inclusion, are unable to pursue their activity as a full-time job. One major reason for this state of events is that the customer on-boarding process is often delayed after the submission of documents (required to validate the details of the concerned applicant) by the applicant and might take as long as two weeks. By this time initial enthusiasm of applicants fades away. Moreover, the delivery partners don’t have the knowledge and skill to propose anything other than the most basic financial products to the customer and hence do not serve their banks’ goal to expanding the offering in unbanked markets.

    Contrary to popular perception, the inclusion segment is not a singular impoverished, undifferentiated mass and it is important to navigate its diversity to identify the right target customers for various programmes. Rural markets do have their share of rich people who do not use banking services simply because they are inconvenient to access or have low perceived value. At the same time, urban markets, despite a high branch density, have multitude of low wage earners outside the financial net. Moreover, the branch timings of banks rarely coincide with the off-work horus of the labour class.

     

    Creating affordability is crucial in tapping the unbanked market. No doubt pricing is a tool, but banks also need to be innovative in right-sizing their proposition to convince customers that they can derive big value even from small amounts. One way ‘of’ doing this is to show the target audience that a bank account is actually a lifestyle enabler, a convenient and safe means to send money to family or make a variety of purchases. Once banks succeed in hooking customers with this value proposition they must sustain their interest by introducing a simple and intuitive user application, ubiquitous access over mobile and other touch points, and adopting a banking mechanism which is not only secure but also reassuring to the customer. Technology is the most important element of financial inclusion strategy and an enabler of all others. The choice of technology is therefore a crucial decision, which could make or mar the agenda. Of the various selection criteria, cost is perhaps the most important.

     

    This certainly does not mean buying the cheapest package, but rather choosing that solution which by scaling transactions to huge volumes reduces per unit operating cost. An optimal mix of these strategies would no doubt offer an innovative means of expansion in the unbanked market.

     
    151 Which of the following facts is true as per the passage?
      1) People from rural areas have high perceived value of banking services.
      2) Cost is not a valid Criterion for technological package selection for financial inclusion initiatives.
      3) The inclusion segment is a singular impoverieshed, undifferentiated mass.
      4) The branch timings of banks generally do not coincide with the off-work hours of the labour class in urban markets.
      5) All the given statements are true.
     
    152 According to the passage, for which of the following reasons do the delivery partners fail to serve their bank’s goal to expand in the unbanked markets?(A) They do not have adequate client base to sell their financial products.

    (B) They do not have adequate knowledge and skills to explain anything beyond basic financial products to the customers.

    (C) They do not have the skills to operate advanced technological aids that are a prerequisite to tap the unbanked market.

      1) Only (B)
      2) Only (C)
      3) All (A), (B) & (C)
      4) Only (A)
      5) Both (B) and (C)
     
    153 According to the passage, for which of the following reasons is the viability of financial inclusion under question?
      1) Banks always prefer the cheapest package (to cust cost) while making a choice of technology to be used.
      2) The Business Correspondent Agents are highly demotiviated to pursue their activity as a full-time job.
      3) The investments made by banks and their delivery partners are not yielding equal amounts of returns.
      4) Banks do not have adequate number of delivery partners required to tap the unbanked market.
      5) Banks do not have adequate manpower to explore the diversity of the unbanked market and thereby identify the right target customers for various programmes.
     
    154 In the passage, the author has specified which of the following characteristics of the customer on-boarding process?
      1) It involves collection of documents from the applicants in order to validate their details.
      2) It involves issuance of smart cards to the customers.
      3) It suffers from latency as it takes a long time after submission of documents by the customer.
      4) It is an expensive process which people find difficult to afford.
      5) All of the given characteristics have been specified
     
    155 What did the author try to highlight in the passage?(A) The ailing condition of financial inclusion business at present

    (B) Strategies that may help banks expand in the unbanked market

    (C) Role of government in modifying the existing financial-inclusion policies

      1) Both (A) and (B)
      2) All (A), (B) and (C)
      3) Only (C)
      4) Only (A)
      5) Only (B)
     
    156 According to the passage, which of the following ways may help banks sustain the interest of their customers after hooking them?(A) Adoption of a banking mechanism which is not only secure but reassuring to the customers

    (B) Increasing the number of delivery partners in rural market.

    (C) Introduction of a simple and intuitive user application

      1) Only (A)
      2) Only (C)
      3) Only (B)
      4) All (A), (B) and (C)
      5) Both (A) and (C)
     
      Directions (Questions. 157-158): Choose the word which is MOST SIMILAR in meaning to the word printed in bold as used in the passage.
    157 Multitude
      1) Impoverished
      2) Handful
      3) Acknowledged
      4) Plenty
      5) Solitued
     
    158 Ubiquitous
      1) Quintessential
      2) Popular
      3) Omnipresent
      4) Simplified
      5) Abnormal
     
      Directions (Questions. 159-160) Choose the word which is MOST OPPOSITE in meaning to the word printed in bold as used in the passage.
    159 Dormant
      1) Emaciated
      2) Pertinent
      3) Cornered
      4) Rejected
      5) Active
     
    160 Delayed
      1) Perturbed
      2) Popularised
      3) Expedited
      4) Stabilised
      5) Repressed
     
      Directions (Questions. 161-170): Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.
      The evolution of Bring your Own Device (BYOD) trend has been as profound as it has been rapid. It represents the more visible sign that the boundaries between personal life and work life are blurring. The 9 am – 5 pm model of working solely from office has become archaic and increasingly people are working extended hours from a range of locations. At the very heart of this evolution is the ability to access enterprise networks from anywhere and anytime. The concept of cloud computing serves effectively to extend the office out of office. The much heralded benefit of BYOD is greater productivity. However, recent research has suggested that this is the greatest myth of BYOD and the reality is that BYOD in practice poses new challenges that may outweigh the benefits. A worldwide survey commissioned by Fortinet chose to look at attitudes towards BYOD and security from the user’s point of view instead of the IT Managers’. Specifically the survey was conducted in 15 territories on a group of graduate employees in their early twenties because they represent the first generation to enter the workplace with an expectation of own device use. Moreover, they also represent tomorrow’s influencers and decision makers. The survey findings reveal that for financial organisations, the decision to embrace BYOD is extremely dangerous. Larger organisations will have mature IT strategies and policies in place. But what about smaller financial business? They might not have such well-developed strategies to protect confidential data. 

    Crucially, within younger employee group, 55% of the people share an expectation that they should be allowed to use their own devices in the workplace or for work purposes. With this expectation comes the very real risk that employees may consider contravening company policy banning the use of own devices. The threats posed by this level of subversion cannot be overstated. The survey casts doubt on the idea of BYOD leading to greater productivity by revealing the real reason people want to use their own devices. Only 26% of people in this age group cite efficiency as the reason they want to use their own devices, while 63% admit that the main reason is so they have access to their favourite applications. But with personal applications so close to hand the risks to the business must surely include distraction and time wasting. To support this assumption 46% of people polled acknowledged time wasting as the greatest threat to the organisation, while 42% citing greater exposure to theft or loss of confidential data. Clearly, from a user perspective there is great deal of contradiction surrounding BYOD and there exists an undercurrent of selfishness where users expect to use their own devices, but mostly for personal interest. They recognize the risks to the organisation but are adamant that those risks are worth taking.

     
    161 According to the passage, for which of the following reasons did Fortinet conduct the survey on a group of graduate employees in their early twenties?(A) As this group represents the future decision makers.

    (B) As this group represents the first generation who entered the workforce with a better understanding of sophisticated gadgets.

    (C) As this group represents the first generation to enter the workplace expecting that they can use their own devices for work purpose.

      1) All (A), (B) and (c)
      2) Only (C)
      3) Both (A) and (C)
      4) Only (A)
      5) Only (B)
     
    162 Which of the following is not true BYOD?
      1) BYOD enables employees to access enterprise network from anywhere and anytime.
      2) Due to evolution of BYOD trend the 9 am- 5 pm model of working solely from office has become outdated.
      3) Recent research has confirmed that BYOD boosts organisational productivity.
      4) The concept of cloud computing facilitates the BYOD trend.
      5) All the given facts are true
     
    163 According to the passage, why would the decision to embrace BYOD prove dangerous to smaller financial businesses?
      1) Their employers have poor knowledge about their devices, which in turn poses a threat the confidential data of the organisation.
      2) Their employees are more vulnerable to misplacement of devices.
      3) They may lack mature IT strategies and policies required to protect confidential data.
      4) They cannot afford to deal with damage liability issues of employee-owned devices.
      5) Their employees have a tendency to change jobs frequently.
     
    164 According to the passage, the expectation of Younger employees that they should be allowed to use their own devices in the workplace, entails which of the following risks?A) Younger employees may deliberately transfer confidential data of their companies to rivals if they are not allowed to use their own devices for work purpose.

    B) Younger employees may strongly feel like leaving the company if it prevents usage of their own device and join some other company that does not have such stringent policies.

    C) Younger employees may consider flouting company policy prohibiting usage of their own devices in the workplace or for work purposes.

      1) Only (C)
      2) Only (B)
      3) Both (A), (C)
      4) only (A)
      5) All (A), (B) and (C)
     
    165 According to the findings of the survey conducted by Fortinet, why do majority of employees prefer using their own devices for work purpose?
      1) As they often find that the devices provided by the company lack quality.
      2) As they have access to their favourite applications while working
      3) As majority of them believe that output doubles when they use their own devices for work purpose
      4) As handling data from their own devices reinforces their sence of responsibility
      5) As it helps them create a brand of their own
     
    166 What is/are the author’s main objective(s) in writing the passage?(A) To break the myth that BYOD promotes employee efficiency and organisational productivity

    (B) To suggest ways to control subversion across levels of corporate chain of command

    (C) To throw light upon the fact that employees, even after knowing the risks involved, prefer to use their own devices for work purpose, mostly for personal benefits

      1) Both (A) and (C)
      2) All (A), (B) and (C)
      3) Only (C)
      4) Only (A)
      5) Only (B)
     
      Directions (Questions. 167-168): Choose the word which is most SIMILAR in meaning to the word printed in bold as used in the passage.
    167 Heralded
      1) Suspected
      2) Publicised
      3) Dragged
      4) Objective
      5) Benefit
     
    168 Outweigh
      1) Control
      2) Venture
      3) Perish
      4) Determine
      5) Surpass
     
      Directions (Questions. 169-170): Choose the word which is most OPPOSITE in meaning to the word printed in bold as used in the passage.
    169 Embrace
      1) Contradict 2) Disobey 3) Curtail
      4) Reject 5) Obscure
      170. Subversion
      1) Compliance 2) Sanity 3) Popularity
      4) Destabilisation 5) Clarity
     
      Directions (Questions. 171-175): Read each sentence to find out whether there is any grammatical mistake/ error in it. The error, if any, will be in one part of the sentence. Mark the number of that part with error as your answer. If there is ‘No error’, mark 5)
     
    171 1) There cannot be any situation where/ 2) somebody makes money in an asset / 3) located in India and does not pay tax/ 4) either to India or to the country of his origin. / 5) No error
     
    172 1) India has entered a downward spiral / 2) Where the organised, productive / 3) and law abide sectors are subject to / 4) savage amounts of multiple taxes. / 5) No error
     
    173 1) The bank may have followed / 2) an aggressive monetary tightening policy / 3) but its stated aim of / 4) curbing inflation have not been achieved. / 5)No error
     
    174 1) Equal Opportunities for advancement / 2) across the length and breadth / 3) of an organisation will / 4) keep many problems away. / 5) No error
     
    175 1) A customised data science degree / 2) is yet to become / 3) a standard programme / 4) to India’s Premier educational institutes. / 5) No error Directions
     
      Directions (Questions. 176-180): 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.
     
    176 When you want to digitalise a city ___________ with millions, you don’t bet _______________
      1) proceeding, into
      2) teeming, against
      3) undergoing, adhere
      4) dangling, for
      5) falling, above
     
    177 The numbers ___________  by the legitimate online music service providers indicate that a growing number of users are  _______ to buy music.
      1) morphed, ignoring
      2) labelled, thriving
      3) figured, fanatic
      4) painted, interested
      5) touted, willing
     
    178 If India is ___________ on protecting its resources, international business appears equally ______________ to safeguard its profit.
      1) dreaded, fragile
      2) stubborn, weak
      3) bent, determined
      4) approaching, settled
      5) obsessed, prepared
     
    179 Brands ___________ decision-simplicity strategies make full use of available information to ________ where consumers are on the path of decision making and direct them to the best market offers.
      1) diluting, divulge
      2) tempting, maintain
      3) imputing, overdrive
      4) pursuing, assess
      5) employing, trust
     
    180 Lack of financing options, ___________ with HR and technological ___________ make small and medium enterprises sector the most vulnerable component of our economy.
      1) except, loophole
      2) coupled, challenges
      3) armed, benefits
      4) registered, strategies
      5) strengthened, facilities
     
      Directions (Questions. 181-185):
      Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.
      (A) The group desired to enhance the learning experience in schools with an interactive digital medium that could be used within and outside the class-room.(B) Then the teacher can act on the downloaded data rather than collect it from each and every student and thereby save his time and effort.

    (C) Edutor, decided the group of engineers, all alumni of the Indian Institute of Technology, when they founded Edutor Technologies in August 2009.

    (D) They can even take tests and submit them digitally using the same tablets and the teachers in turn can download, the tests using the company’s cloud services.

    (E) With this desire they created a solution that digitises school text books and other learning material so that students no longer need to carry as many books to school and back as before, but can access their study material on their touch-screen tablets.

    (F) Amechanic works on motors and an accountant has his computer. Likewise, if a student has to work on a machine of device, what should it be called?

     
    181 Which of the following sentences should be the FIRST after rearrangement?
      1) F
      2) D
      3) A
      4) C
      5) E
     
    182 Which of the following sentences should be the THIRD after rearrangement?
      1) A
      2) B
      3) D
      4) E
      5) F
     
    183 Which of the following sentences should be the SIXTH (LAST) after rearrangement?
      1) A
      2) F
      3) E
      4) B
      5) D
     
    184 Which of the following sentences should be the FOURTH after rearrangement?
      1) A
      2) F
      3) E
      4) B
      5) C
     
    185 Which of the following sentences should be the FIFTH after rearrangement?
      1) A
      2) D
      3) C
      4) E
      5) F
     
      Directions (Questions. 186-195): 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/ phrase in each case.
     
      There is a considerable amount of research about the factors that make a company innovate. So is it possible to create an environment (186) to innovation? This is a particularly pertinent (187) for India today. Massive problems in health, education etc (188) be solved using a conventional Approach but (189) creative and innovative solutions that can ensure radical change and (190). There are several factors in India’s (191). Few countries have the rich diversity that India or its large, young population (192). While these (193) innovation policy interventions certain additional steps are also required. These include (194) investment in research and development by (195) the government and the private sector, easy transfer of technology from the academic world etc. To fulfil its promise of being prosperous and to be at the forefront, India must be innovative.
     
    186 1) stimuli
      2) conducive
      3) incentive
      4) facilitated
      5) impetus
     
    187 1) objective
      2) controversy
      3) doubt
      4) question
      5) inference
     
    188 1) cannot
      2) possibly
      3) should
      4) never
      5) must
     
    189 1) necessary
      2) apply
      3) need
      4) consider
      5) requires
     
    190 1) quantity
      2) advantages
      3) increase
      4) chaos
      5) growth
     
    191 1) challenges
      2) praises
      3) favour
      4) leverage
      5) esteem
     
    192 1) blessed
      2) enjoys
      3) endows
      4) prevails
      5) occurs
     
    193 1) aid
      2) jeopardise
      3) promotes
      4) endure
      5) cater
     
    194 1) acute
      2) utilising
      3) restricting
      4) inspiring
      5) increased
     
    195 1) both
      2) besides
      3) combining
      4) participating
      5) also
     
      Directions (Questions. 196-200): In each of the following questions four words are given, of which two words are most nearly the same or opposite in meaning. Find the two words which are most nearly the same or opposite in meaning and indicate the number of the correct letter combination, by darkening the appropriate oval in your answer sheet.
     
    196 (A) consent (B) nascent (C) emerging (D) Insecure
      1) A – C
      2) B – D
      3) B – C
      4) A – D
      5) A – B
     
    197 (A) elated (B) eccentric (C) explicit (D) abnormal
      1) A – B
      2) B – D
      3) A – C
      4) A – D
      5) D – C
     
    198 (A) abundance (B) incomparable (C) Projection (D) plethora
      1) A – C
      2) A – B
      3) C – D
      4) B – D
      5) A – D
     
    199 (A) purposefully (B) inaccurately (C) inadvertently (D) unchangeably
      1) A – C
      2) A – B
      3) B – C
      4) B – D
      5) A – D
     
    200 (A) germane (B) generate (C) reliable (D) irrelevant
      1) B – D
      2) B – C
      3) A – B
      4) C – D
      5) A – D
     

     

    Check below for Answers

     

    Answers

    151) Ans 4 161) Ans 3 171) Ans 2 181) Ans 1 191) Ans 3
    152) Ans 1 162) Ans 3 172) Ans 3 182) Ans 1 192) Ans 2
    153) Ans 3 163) Ans 3 173) Ans 4 183) Ans 4 193) Ans 1
    154) Ans 5 164) Ans 1 174) Ans 5 184) Ans 3 194) Ans 5
    155) Ans 1 165) Ans 2 175) Ans 4 185) Ans 2 195) Ans 1
    156) Ans 5 166) Ans 1 176) Ans 2 186) Ans 2 196) Ans 3
    157) Ans 4 167) Ans 2 177) Ans 5 187) Ans 4 197) Ans 2
    158) Ans 3 168) Ans 5 178) Ans 3 188) Ans 1 198) Ans 5
    159) Ans 5 169) Ans 4 179) Ans 4 189) Ans 3 199) Ans 1
    160) Ans 3 170) Ans 1 180) Ans 2 190) Ans 5 200) Ans 5

     

    Study Material/Practice Tests (More than 140 Tests taken from Old Baking exams)

     

    Quiz (Nearly 600 Quiz from different categories including below categories)

    • Computer Quiz: 1100+
    • Banking Awareness Quiz: 1000+
    • Business Awareness Quiz: 350+
    • Marketing Awareness Quiz: 400+
    • IT Officer/Professional Quiz: 550+

     

     

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