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BANK OF MAHARASHTRA (PO) RECRUITMENT EXAM. TEST I : :a,EASONING 1. How many such digits are there in the number 5236978 each of which is as far away from the beginning of the number as when the digits are rearranged in ascending order within the number? (1) None (2) One (3) 'l\vo (4) Three (5) More than three 2. In a certain code COMPUTER is written as LNBVQSFU. How is BULKHEAD written in that code? (1) MVClLEBF (2) KTAILEBF (3) MTAGJEBF KTAGJEBF (5) None of these (4) 3. How many meaningful English words can be made with the letters IDET using each letter only once in each word? (1) None (2) One (3) 'l\vo (4) Three (5) More than three 4. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group? (1) HK (2) ED (4) lVIP (3) FI (5)SV 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? (1) Tomato (2) Brinjal (3) Radish (4) Pumpkin (5) Gourd 6. How many such pairs ofletters are there in the word IMPORTANCE, each of which has as many letters between them in the word as they have between them in the English alphabet? (1) None (2) One (3) 'l\vo (4) Three (5) More than three 7. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group? (1) Dog (2) Horse (3) Wolf (4) Jackal (5) Cat 8. In a certain code FIRE is written as #%@$ and DEAL is written as $*t. How is FAIL written in that code? (1) #*%t (2) #$%t (3) #*@$ (4) #* t (5) None of these PREVIOUS PAPER (BANK OF MAHARASHTRA) 2 9. In a certain code language, 'come again' is written as 'ho na'; 'come over here' is written as 'pa na ta'; and 'over and above' is written as 'ki ta ja', How is 'here'written in that code language? (1) pa (2) na (3) ta (4) ja (5) None of these 10. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group? (1)84 (2) 120 (3) 72 (4) 108 (5) 98 Directions. (Q.n 15) : In these questions, symbols @,#, %,$ and are used with different meanings as follows: 'A@B' means 'A is not smaller than B'. 'A#B' means 'A is neither smaller than nor equal taB'. 'A%B' means 'A is not greater than B'. 'A $ B'mear.s 'A is neither greater than nor equal to B'. 'A B' means 'A is neither smaller than nor greater thanB'. 11. Statements : J # H, H T, T $ R, R % F Conclusions: I. J#R II. R#F III.J#T (1) Only I is true (2) Only I & II are true (3) Only III is true (4) All are true (5) None of these 12. Statements : E $ P, P % H, H @ I, I # K Conclusions: I. P I II. 1 % E III.H%K (1) Only I is true (2) Only II is true (3) Only III is true (4) Only I and II are true (5) None is true 13. Statements : L@K,K#R,R$H,H%N Conclusions: I. L#R II. N # R III.L N (1) Only I and II are true (2) Only either I or II is true (3) Only II and III are true (4) Only III is true (5) None of these 14. Statements: T$V, V%K, K L, L% H Conclusions: . I. V% H II. T $ L III.T $ H (1) Only I and II are true (2) Only II and III are true .(3) Only I and III are true (4) All are true (5) None of these 15. Statements : V@W, W#D,D $M,M%F Conclusions: I. V#D II.F#D III.V F (1) Only I is true (2) Only II is true (3) Only either I or II is true (4) Both I and II are true (5) None of these 3 PREVIOUS PAPER (BANK OF MAHARASHTRA) Directions (Q. 16 20): In each of the questions below are given four statements followed by three conclusions numbered I, II & III. You have to take the given statements to be true even if they seem to be at variance with 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. 16. Statements : Some plates are spoons. All spoons are forks. All forks are bowls. Some bowls are utensils. Conclusions: I. Some plates are bowls. II. All spoons are bowls. III. Some forks are utensils. (1) Only I follows (2) Only II follows (3) Only I and III follow (4) Only I and II follow (5) None of these 17. Statements: Some books are files. All files are discs. Some discs are boards. All boards are keys. Conclusions : I. Some books are keys. II. No book is key. III. Some discs are keys. (1) Only III follows (2) Only I and III folbw (3) Either I or II and III follow (4) All follow (5) None of these 18. Statements: All buses are trains. Some trains are cars. No car is scooter. All scooters are jeeps. Conclusions: I. Some cars are buses. II. All jeeps are scooters. III. No jeep is train. (1) Only I follows (2) Only II follows (3) Only III follows (4) Only either I or III follows (5) None follows 19. Statements : All curtains are pillows. No pillow is mattress. Some mattresses are beds. All beds are sofas. Conclusions: L No bed is pillow. II. Some mattresses are sofas. III. Some beds are pillows. (1) Only either I or III follows (2) Only II follows (3) Only II and either I or III follow (4) Only I and II follow (5) All follow 20. Statements : Some pulses are grains. Some grains are sprouts. All sprouts are nuts. No fruit is nut. Conclusions : I. Some nuts are pulses. II. Some nuts are grains. ULNo fruit is sprout. (1) Only II and III follow (2) Only I and II follow (3) Only either I or II follows (4) None follows (5) None of these PREVIOUS PAPER (BANK OF MAHARASHTRA) 4 Directions (Q. 21 25): Study the following information carefully to answer these questions: Seven candidates Harish, Samir, Nilesh, Shailaja, Nikita, Laxman and Sujata are to be interviewed for selection as Trainee Officers By different panels I to VII for different companies A, B, C, D, E, F and G not necessarily in the same order. Nilesh is interviewed by panel IV for Company A Samir is interviewed by panel III but not for company C or D. Harish is interviewed for company B but not by panel I or II. Nikita is interviewed by panel VI for company E. Panel VII conducts the interview for company F. Shailaja is interviewed by panel I but not for company C. Panel II does not interview Laxman. 21. Shailaja is interviewed for which company? (1) A (2) G (3) F (4) D (5) None of these 22. Panel II conducts interview for which company? (1) C (2) F (3) G (4) B (5) None of these 24. Who is interviewed for company F? (1) Shailaja (2) Sujata (3) Laxman (4) Cannot be determined (5) None of these 25. Which candidate is interviewed by panel V? (1) Harish (2) Laxman (3) Sujata (4) Shailaja (5) None of these Directions (Q. 26-30): Study the following arrangement carefully and answer the questions given below: R5ME%4W lA2D#K$ 3P9 @ F B 8JI7 * H6QVY 26. Four of the following five are alike in a certain way based on their positions in the avbove arrangement and so form a group. Which is the one that does not belong to that group? (1) K 3 2 (2) J 7 B (3)41 M (5) P F $ (4) 6 V 7 27. If all the symbols in the above arrangement are removed, which of the following will be the fifth to the right of the eleventh from the left end? (1) F (2) D (3) 8 (4)B (5) 23. Who is interviewed for company G? (1) Nikita (2) Samir (3) Shailaja (4) Laxman (5) None of these None of these 28. How many such numbers are there in the above arrangement, each of which is immediately preceded by a consonant but not immediately followed by a consonant? (1) None (2) One (3) Two (4) Three (5) More than three PREVIOUS PAPER (BANK OF MAHARASHTRA) 29. Which of the following is the eighth to the right ofthe nineteenth from the right end of the above arrangement (l) (2)% (3) D (4)H (5) None of these 30. How many such symbolb are there in the above arrangement, each of which is immediately preceded by a number and immediately followed by a consonant? (l~ None (2) One (3) Two (4) Three (5) More than three Directions (Q. 31-35): In each question below is given a statement followed by two courses ofaction numbered I and II. A course ofaction is a step or administrative decision to be taken for improvement, follow-up or further action in regard to the problem, policy, etc. On the basis of the information given in the statement, you have to assume everything in the statement to be true, then decide which of the suggested courses of action logically follow(s) for pursuing. Give answer as: (1) if only I follows. (2) if only II follows. (3) if either I or II follows. (4)ifneither I nor II follows. (5) if both I and II follow. 31. Statement: The local college principal has ordered that all the students must strictly adhere to the dress code stipulated by the college authority in the admission brochure. Courses of action: I. Those students who are found to voilate the dress code should be terminated from the college. 5 . II. Those students who are found to violate the dress code for the first time should be reprimanded and be warned against further violation. 32. Statement: The railways have decided to repair the main tracks within the city on the following Sunday and have decided to suspend operations for the whole day. Courses of action: I. The railway authority should issue public notification well in advance to ease inconvenience to the passengers. II. All the long-distance trains entering the city during the repair hours should be terminated outside the city limit. 33. Statement: Many motorists driving on the highway within the city are found to be driving much beyond the permissible speed limit. Courses of action: I. The traffic police officials should personally monitor the movement of vehicles on the highway within the city. II. The Govt. should immediately put in place a mechanism to identify and punish erring drivers. 34. Statement: Majority of the city employees in the renowned BPO company have left their jobs to protest against inhuman treatment meted out to them by the company. Courses of action: I. The Govt. should immediately order the BPO company to close down its operation. II. The BPO company should shift its operations to some other place to continue its operations. PREVIOUS PAPER (BANK OF MAHARASHTRA) 6 35. Statement : The management of the organisation has issued a circular to all its employees stating that each employee must report for duty at 10.00 A.M. sharp and should remain in hislher workplace till 5.30 P.M. everyday. Courses of action: I. The management should evolve a mechanism to identify such employees who may not adhere to the time schedule. II. All such employees who are found to be failing to maintain time schedule should be summarily suspended. Directions (Q. 36-40) : Below is given a passage followed by several possible inferences which can be drawn from the facts stated in the passage. You have to examine each inference separately in the context of the passage and decide upon its degree of truth or falsity. Mark answer as: (1) if the inference is 'definitely true', i.e. it properly follows from the statement offacts given. (2) if the inference is 'probably true' though not 'definitely true' in the light ofthe facts given. (3) if the 'data are inadequate', i.e. from the facts given you cannot say whether the inference is likely to be true or false. (4) if the inference is 'probably false', though not 'definitely false' in the light ofthe facts given. (5) ifthe inference is 'definitely false', i.e. it cannot possibly be drawn from the facts given or it contradicts the given facts. The latest data to show that the overall power situation has gotten worse, with the ratio for peak-load shortages now the highest in a decade. In absolute terms, the power deficit has hit record levels and seems almost certain to further deteriorate without real reforms on the ground. Even as aggressive technical and commercial losses in the power system remain much high at over a third of total generation, pan-India capacity addition is now well below target. A shortage of equipment and skills is blamed for the marked slow-down in augmenting power capacity. But the dearth of resources can only be relative. In fact, the real bane of the sector is continuing revenue leakage in the state power utilities and unacceptably high aggregate technical and commercial losses, much of it plain theft of electricity. Given the preponderance of state utilities in power supply, the fact that they remain very much in red does affect investor comfort and return funds flow. 36. Indian power generation is largely controlled by private sector. 37. Reform in power sector in India has not yet attained its desired level. 38. Indian power sector is yet to attain status comparable to developed countries. 39. Power theft is one of the major components of revenue losses in power sector. 40. Aggregate technical and commercial loss is much less than thirty per cent of the total power generation. 7 PREVIOUS PAPER (BANK OF MAHARASHTRA) Direction (Q. 41-45) : In each ofthe questions given below which one ofthe five answer figures on the right should come after the problem figures on the left, if the sequence were continued. 41. Problem Figures Answer Figures - - - - - I" T-fl ~T~ S- Y-ll , ~-fl .; T "'-f i--I "--f (2) (3) (4) (5) (2) (3) (4) (5) (4) (5) (1) ~ . 'l'-fl ./..-f r X1 ~r J I~:I~ :( :I~ l~ 42 I~ 43. " '" J. 1e (1) I ~I ~I~ I~ t :1 ~Ir :Is (2) (1) ~I ! :1_ ~. ~ ~ 1 z = (3) 0 :::: Iii] :::: :::: e 0 (2) (1) In IIll Irmluml (4) (3) 0 (5) rIml lInn lIiIll ~Inil rum (2) (1) (5) (4) (3) Directions (Q. 46-50) : In each ofthe following questions, a related pair offigures is followed by five numbered pairs offigures. Select the pair that has a relationship similar to that in the unnumbered pair. The best answer is to be selected from a group of fairly close choices. Study the following question. ~:D I I I Q:O 0:0 0,: T ! II I I I I I! I I If' t I I o :0 O:CJ I 1\ I I I I , 11 II (5) (4) (3) In this question element II of unnumbered figures is related to the element 1 of the figure in a certain way. Element II has one side more than the element 1. The pair in the figure No.5 has the same relationship. Therefore, 5 is the answer. Now solve the following questions. (2) (1) 46. VI . V J ~ ~ I I [f A II ~ 4. b. A. ~ II (1) .t:i,. ~ I V V 4. II (2) "'J A. "h Y V A .A ~ II I (3) (4) I ~ V II (5) PREVIOUS PAPER (BANK OF MAHARASHTRA) 8 ~Ja .. ;e..q .. 1'J..n:1l fi 47. II 48. H ..-.::. I11J.i ~ 1111i ::: l~JJi~ 1IlE ~ 1111!..E 11!1i....... . a ~ II . I : I I-r : I l ...... II : It 1-- ~ II I I ..... I . H .. II- ~ (1) (3) (4) (1) (2) (3) (4) (5) (1) 49. (2) (2) (3) (4) (5) (5) /:m I I'll 50. TEST-TI : QUANTITATIVE APTITUDE Directions (Q. 51-55) : What should come in place of the question mark (?) in the following questions? 51. (47 )( 588)..;. (28 x 120) =? (1) 6.284 (2) 7.625 (3) 8.225 (4) 8.285 (5) None of these 52.45% of224 )( ? % of 120 = 8104.32 (1) 67 (2) 62 (3) 59 (4) 71 (5) None of these 53 . .J7921 x51 + 374 = (?)3 (1) 16 (2) 19 (3) 15 (5) None of these (4) 21 54. 6573 ..;. 21 )( (0.(2)2 = ? (1) 7825 (2) 62.6 (3) 1565 (4) 12.52 (5) None of these 55.74156 -? - 321 (1) 3451 20 + 520 = 69894 (2) 4441 (3) 5401 (4) 4531 (5) None of these Direction (Q. 56-60): What should come in place ofthe question mark (?) in the following number series? 56. 1548 516 129 43 ? (1) 11 (2) 10.75 (3) 9.5 (4) 12 (5) None of these PREVIOUS PAPER (BANK OF MAHARASHTRA) 9 57. 949 189.8 ? 22.776 11.388 6.8328 (l) 48.24 (2) 53.86 (3) 74.26 (4) 56.94 (5) None of these 64. Fifty-six men can complete a piece of 58. 121 144 190 259 '? 466 (l) 351 (2) 349 (3) 374 (4) 328 (5) None of these 59. 14 43.5 264 ? 76188 (1) 3168 (2) 3176 (3) 1587 (4) 1590 (5) None of these 60.41 164 2624 ? 6045696 (1) 104244 (2) 94644 (3) 94464 (4) 102444 (5) None of these 61. Two numbers are less than the third number by 50% and 54% respectively. By how much percent is the second number less than the first number? (1) 13 (2) 10 (3) 12 (4) Cannot be determined (5) None of these 62. In how many different ways can the letters of the word 'BLOATING' be arranged? (2) 5040 (1) 40320 (3) 2520 (4) 20160 (5) None of these 63. The average of 5 numbers is 306.4. The average of the first two numbers is 431 and the average of the last two numbers is 214.5. What is the third number'? (1) 108 (2) 52 321 (4) Cannot be determined (5) None of these (3) work in 24 days. In how many days can 42 men complete the same piece of work'? (1) 18 (2) 32 (3) 98 (4) 48 (5) None of these 65. A man takes 6 hours 35 minutes in walking to a certain place and riding back. He would have taken 2 hours less by ridng both ways. What would be the time he would take to walk both ways? (1) 4 hrs 35 mins (2) 8 hrs 35 mins (3) 10 hrs (4) 8 hrs 25 mins (5) None of these Direction (Q. 66-70) : Study the following table carefully and answer the questions given below. Number of Males & Females staying in various 'Societies Societies Males Females A 250 350 B 400 150 C 300 275 D 280 300 E 180 250 F 325 300 Percentage of Children (Males & Females) in the Societies Societies Children Female Male Children Children A 25% 'B 40% 75% 25% C 16% 25% 75% D 25% 80% 20% E 40% 50% 50% F 24% 46% 54% 40% 60% PREVIOUS PAPER (BANK OF MAHARASHTRA) 10 66. What is the ratio of the number ofadult females to the total number of female children staying in all the societies together? (1) 243: 82 (2) 112: 71 Directions (Q. 71-75) : Study the following pie-chart carefully and answer the questions given below. Percentage of People in a city working in Night Shifts from various Industries (Total number ofPeople =40250) (3) 82: 243 (4) 71 : 112 (5) None of these 6'7. What is the total number of female children staying in all the societies together? (1) 314 (2) 433 (3) 410 (4) 343 (5) None of these 68. What is the ratio of the total number of adult males in societies A and B together to the total number of adult males in Societies E and F together? (1) 75: 79 (2)14: 17 (3) 79: 75 (4) 17 : 14 (5) None of these 69. What is the total number of members staying in all the societies together? (1) 3520 (2) 3360 (3) 4100 (4) 3000 (5) None of these 70. What is the difference between the number of male childreJ). in societies B and the number of male children in society F? (1) 84 (2) 14 (3) 96 (4) 26 (5) None of these Percentage of Females from various Industries working in night shifts. Industries Females IT 20% Gaming 20% Call Center 45% Sales 60% Banking 40% Chemical Industries 15% 71. What is the ratio of the men to the women working in night shifts from the call centre industry? (1) 9 : 11 (2) 7 : 5 (3) 8: 13 (4) 11 : 7 (5) None of these 72. What is the approximate average number of females working in night shifts from all the industries together? (1) 2227 (2) 4481 (3) 3326 (4) 2823 (5) 4107 PREVIOUS PAPER (BANK OF MAHARASHTRA) 73. What is the total number of men working in night shifts from all the industries together? (1) 28297 (2) 25788 (3) 28678 (4) 26887 74. The number of w'omen from the gaming industries is what percent of the total number of people working inl the night shifts from all the industries together? (1) 5.6 (2) 3.6 (3) 3.2 (4) 4.4 (5) None of these 75. What is the difference between the total number of men and the total number of women working in night shifts from all the industries together? (1) 13254 (2) 13542 (3) 13524 (4) 13363 (5) None of these Directions (Q. 76-80): Study the following table carefully and answer the questions given below. Number of people working in various departments from various organisations A Orll anisations B D C E HR 1050 1015 976 888 1004 Finance 1017 Marketing 1545 786 1025 1275 1300 1550 1570 963 1290 Production 1382 1542 960 1384 Accounts 786 745 801 dOO 735 36 30 53 Legal 48 76. The total number of employees working in the legal department is approximately what per cent of the total number of employees working in HR department of all the organisations together? (1) 4 (2) 8 (3) 12 (4) 6 (5) 10 (5) None of these Departments 11 54 1580 77. What is the approximate difference between the average number of people working in Marketing and Production departments from all the organisations together? (1) 578 (2) 231 (3) 330 (4) 1156 (5) 300 78. What is the ratio of the total number of employees working in organisation A to the total number of employees working in organisation E? (1) 225: 233 (2) 71 : 75 (3) 75: 71 (4) 233: 215 (5) None of these 79. What is the total number of employees from all the departments working in all the organisations together? (1) 26960 (2) 28910 (3) 28190 (4) 29660 (5) None of these 80. The number of people working in the Finance department from organisation B is approximately what per cent ofthe total number of employees working in organisation B? (2) 15 (1) 12 (4) 17 (3) 20 (5) 25 PREVIOUS PAPER (BANK OF MAHARASHTRA) 12 Directions (Q. 81-85): Study the following data carefully and answer the questions given below, Out of a total number of commuters commuting daily in a city, 17, 171 commuters commute only by trains, 7359 commuters commute only by bikeR and 22,077 commuters commute only by buses. 14,718 commuters commute only by their private cars and 4,906 commuters commute only by autos. 7,359 commuters commute only by taxis. 26, 983 commuters commute by buses as well as trains. 9,812 commuters commute by autos as well as trains. 12,265 commuter!'! commute by buses as well as autos. 81. The total number of commuters commuting by trains forms what per cent of the total number of commuters commuting daily? (1) 22 (2) 44 (3) 14 (4) 36 (5) None of these 85. The number of commuters commuting only by bus forms what per cent of the total number of commuters commllting daily? (1) 40 (2) 22 (3) 32 (4) 18 (5) None of these Directions (Q. 86-90) : Study the following graph carefully u "I-d answer the questions given below. Units of Raw Material Manufactured and Sold by a Company Over the Years (Units in Crores) 8 :! 7 .el 6 .......... Manufactured . ~ 5 !II; ., 4 ... c 3 a:: ;; 2 I: i:J 1 () 2003 82. The total number of commuters commuting by autos forms what per cent of the total number of commuters, commuting daily? (1) 10 (2) 18 (3) 22 (4) 4 (5) None of these 83. The total number of commuters commuting by bikes and taxis together forms what per cent of the total numbers of commuters commuting daily? (1) 12 (2) 6 (3) 8 (4) 16 (5) None of these 84. What is the total number of commuters in the city commuting daily? (1) 122650 (2) 126250 (3) 162250 (4) 152260 (5) None of these .........- Sold 2004 2005 2006 2007 Years 86. "Vhat is the average number ofunits sold over the years? (1) 440000000 (2) 4400000 (3) 440000 (4) 44000000 (5) None of these 87. What is the ratio of the difference between the number of units manufactured and sold in the year 2005 to the difference between the number of units manufactured and sold in the year 2006? (1) 2: 3 (2) 1 : 2 (3) 1; 4 (4) 3; 5 (5) None of these PREVIOUS PAPER (BANK OF MAHARASHTRA) 88. What is the ratio of the number of units manufactured in the year 2003 to the number ofunits manufactured in the year 2007? (1) 7 : 11 (2) 9 : 14 (3) 7: 9 (4) 9: 11 (5) None of these 89. What is the approximate per cent increase in the number of units sold in the year 2007 from the previous year? (1) 190 (2) 70 (3) 60 (4) 95 (5) 117 90. What is the difference between the number of units manufactured and the number of units sold over the years? (1) 50000000 (2) 5000000 (3) 500000000 (4) 500000 (5) None of these 91. Ifthe numerator ofa fraction is increased by 200% and the denominator of the fraction is increased by 150%, the 7 resultant fraction is 10 What is the original fraction? 3 (1) 4 7 (3) 11 7 (2) 12 9 (4) 11 (5) None ofthese 92. Samiara, Mahira and Kiara rented a 'let ofDVDs at a rent ofRs 578. If they used it for 8 hours, 12 hours and 14 hours respectively, what is Kiara's share ofrent to be paid? (1) Rs238 (2) Rs204 (3) Rs 192 (4) Rs215 (5) None of these 13 93. Kamlesh bought 65 books for Rs 1,050 from one shop and 50 books for Rs 1,020 from another. What is the average price he paid per book? (1) Rs36.40 (2) Rs 18.20 (3) Rs24 (4) Rs 18 (5) None of these 94. In an election betv.ree~ two candidates, one got 52% of the tctal valid votes. 25% of the total votes were invalid, The total number of votes was 8400. How many valid votes did the other person get? (1) 3276 (2) 3196 (3) 3024 (4) Cannot be determined (5) None of these 95. The ratio of length to breadth of a rectangular plot is 8 : 5 respectively. If the breadth is 60 metres less than the length, what is the perimeter of the rectangular plot? (1) 260 mBtres (2) 1600 metres (3) 500 metres (4) Cannot be determined (5) None of these Directions (Q. 96-100) : What approximate value should come in place of the question mark (?) in the following questions? (You are not expected to calculate the exact value). 342 96. -x-x-x3719=? 795 (1) 341 (2) 283 (4) 301 (3) 274 (5) 288 PREVIOUS PAPER (BANK OF MAHARASHTRA) 14 97. 0.008 + 6.009 + (0.7)2 =? (1) 21 785 + (28(5)2 =? (1) 0.3 x (2) 1.8 (2) 6 (3) 99.98 12 (3) 2.2 (4) 8 (4) 0.9 (5) 18 (5) 0.08 98. V795657 x 7 + (3.8 x 5.(5) = ? (1) 48 (2) 22 (3) 43 (4) 26 (5) 31 100 .)749 x 0.56 + 14.38 = ? (1) 30 (2) 35 (3) 42 (4) 25 (5) 45 TEST-Ill: GENERAL AWARENESS 101. The Govt. of India has taken a decision to open three more IITs during the year 2008-090 These IITs will be in which of the following groups of States? (1) Bihar, Rajasthan, Andhra Pradesh (2) Andhra Pradesh, Orissa, Karnataka (3) Karnataka, Tamilnadu, Kerala (4) Uttar Pradesh, Madhya Pradesh, Bihar (5) None of these 102. Which of the following is/are NOT the highlights ofthe Union Budget 2008-09? A. A Risk Capital Fund is to be set up and maintained by one of the financial institutions. B. Allocation for defence has been reduced by 10% to make it Rs 10,000 crore. C. Several new schemes are to be introduced for providing social security to the people in unorganised sectors. (1) Only (A) (2) Only (B) (3) Only (C) (4) Both (A) & (B) (5) All (A), (B) & (C) 103. To help the farming community the Govt. ofIndia has decided to raise the minimum support price of paddy for current Kharif marketing season. What is that price? (1) Rs 800/quintal (2) Rs 900/quintal (3) Rs 950/quintal (4) Rs 1200/quintal (5) None of these 104. Which of the following is the correct definition of the term Commercial Papers? A. It is nothing but the popular name of the judicial stamp papers used to register financial transactions. B. It is one of the instruments through which corporates raise debt from the market. C. It is the name of the "Certificate of Deposits" provided by the Banks to its retail customers. (1) Only A (2) OnlyB (3) OnlyC (4)BothA& B (5) All A, B & C 15 PREVIOUS PAPER (BANK OF MAHARASHTRA) 105. As per the decision taken by the Govt. of India, two financial inclusion funds are to be set up with an overall corpus of Rs 500 crore each. These funds - Financial Inclusion Fund and Financial Inclusion Technology Fund - are to be set up by the initial contribution made by (1) SIDBI, NABARD & UTI (2) NABARD, UTI & RBI (3) Govt. ofIndia, NABARD & RBI (4) SIDBI, Govt ofIndia & IDBI Bank (5) None of these 106. As per the Railway Budget 2008-09, the operating ratio of Railways is pitched at which of the following levels? Approximately ...... ........ . (1) 70% (2) 75% (4) 90% (3) 98% 109. As per the new figures released in recent past, what has been the ratio of taxes to Gross Domestic Product (Tax-GDP) in 2007-08? Approximately ................. . (1)8% (2)9% (3) 10% 11.5% (5) 12.5% (4) 110. Many a time we read in the newspapers a term "HOT MONEY". Which of the following is the correct definition ofHOT MONEY? . 107. As per the Govt. policy, the provision of the subsidy for interest subvention to co operative sugar mills is done by which of the following agencies/organisations? (1) Commission for Agricultural Costs and Prices (2) National Bank of Agriculture & Rural Development (3) Ministry of Agriculture (4) National Commission on Farmers (5) None of these A. This is the fund which is dumped into a country to get the advantage of a favourable interest rate and hence brings higher returns. B. This is the fund which is provided by a bank in US$ at very short notice and at a very high rate of interest and for a longer period of repayment. C. This is the fund which is pushed into market through Hawala or some other such illegal method and is sometimes referred to also as Black Money. (1) Only A is correct (2) Both A & B are correct (3) Only C is correct (4) Both A & C are correct (5) Only B is correct 108. Banks these days have launched a new scheme product known as "Reverse Mortgage". The scheme is designed keeping which of the following groups of society in consideration? (1) Youngsters who have just started earning (2) Defence personnel whose life is always at high risk (3) Senior citizens (4) Women who do not have independent source of income (5) None of these 111. As per the report released in the press, the Govt of India has done a study on Special Economic Zones. Which of the following is/are the highlights of the report? A The report says that SEZs should not be given much preference by the policy-makers. B. The study says that the end benefit in the next few years may be to the tune of Rs 1,50,000 crores, which will be much higher than the estimated revenue losses. (5) 81% PREVIOUS PAPER (BANK OF MAHARASHTRA) 16 C. Since new SEZs are developed by the Private Sector, the investment for infrastructural development is like a net saving for the Govt. (1) Only A (2) Only B (4) Both B & C (3) Only C (5) None of these 112. As per the new figures released by the Govt. agencies. the Foreign Direct Investment inflow to India is at a higher level and has increased substantially in recent past. Which ofthe following is/are the contributory factor(s) which haslhave helped in this record growth? A. Progressive delicensing of various sectors B. Simplification of business procedures in India C. Subprime crisis in USA (1) Only A (2) Only B (3) Both A & B (4) Only C (5) All A, B & C 113. Which ofthe following Companies has got "Navratna Status" recently? (1) Nationa.l Mineral Development Corporation (NMDC) (2) National Textile Corporation (NTC) (3) Maruti Udyog Ltd (4) IDBI Bank Ltd. (5) None of these 114. The real return to the investor sometimes gets reduced due to sudden rise in the prices of the commodities. This phonomenon in financial market is kno'NIl as (1) Market risk (2) Inflation risk (3) Credit risk (4) Diversification offunds (5) None of these 115. In the recent times the RBI and the Securities & Exchange Board of India (SEBI) have taken various steps to control the flow of capital in Indian economy. Which of the following is/are NOT included in this/these step(s)? A. Guidelines have been issued to restrict unregulated overseas investors through "P-notes". B. Rs 60,000 crore out of this fund is being provided to waive the loans on farmers. C. Borrowers raIsmg external commercial borrowings of over $20 million would have to park the proceeds overseas for use as foreign currency expenditure. (1) Only A (2) Only B (3) OnlyC (4) BothA& C (5) All A, B & C 116. Which of the following countries has recently made an agreement with the World Trade Organisation which will allow it to join the same as a permanent member? (1) Russia (2) Afghanistan (3) Zambia. (4) Uganda (5) Ukraine 117. Prime Minister of India on his visit to China a few months back signed a detailed agreement with the same. What is/are the major highlight(s) of the agreement? A. Both the countries agreed to continue high-level exchange of views. Indian President has been invited to China. B. India will host joint military exercise in200S. C. India has decided to raise the issue of Tibet at the UNO. China has agreed for the same. (1) Only A (2) OnlyB (3) Both A & B (4) OnlyC (5) All A, B & C PREVIOUS PAPER (BANK OF MAHARASHTRA) 118. As per the reports in the leading newspapers, the Securities & Exchange Board of India (SEBl) has asked the Mutual Fund industry to stop "Misselling" their schemes to investors. What is "Misselling" of products? A. Misselling takes place when mutual funds are sold without telling the likely returns. B. When agents sell the products without telling investors what are the risks involved in investing in mutual funds. C. When agents invest some body's money in mutual funds wi'thout their knowledge, it is called misselling. (1) Only A (2) Only B (3) Only C (4) All A, B & C (5) None of these 119. As per the news reports, SEBI has allowed short-selling by FIs/MFs from 1st February, 2008. What is "short selling"? A. Selling of shares that the seller does not own at the time of trading. B. Selling of shares on the same day or on the day they were allotted to the trader. C. Selling of shares on a much lower price due to turbulent market situations. (1) Only A (2) OnlyB (3) OnlyC (4) All A, B & C (5) None of these 120. Which of the following countries is governed by the Norwe-gian-mediated Ceasefire Agreement to end its dispute with a group of rebels? (1) Nepal (2) Myanmar (3) Mghanistan (4) Sri Lanka (5) None of these 17 121. The USA, as reported in the leading newsp\apers, is proceeding towards What happens when an economy goes in the grip of "recession?" A. GDP growth slows down. B. People lose their jobs. C. Foreign exchange reserve goes up substantially as lot ofloanslgrants start pouring in. (1) Only A (2) OnlyB (3)OnlyC (4) Only A& B (5) None of these 'reces~on'. 122. The Sensitive Index ofthe Bombay Stock Exchange keeps on changing positively and negatively both. Which of the following is/are the main reason(s) which contribute(s) for this sudden change in the same? A. Higher GDP Growth B. Continuous Foreign Funds Flow C. High Volume of Forex reserves D. Recession in USA (1) Only A & B (2) Only B & C (3) Only C & D (4) Only B (5) All A, B, C & D 123. Jerusalem and Palestine reached an agreement on their peace negotiations. Which of the following is/are the points included in the agreement? A. There should be an end to the occupation that began in 1967. B. The agreement must establish Palestine as a homeland for the Palestinian people just as Israel is the homeland for Jewish people. C. All the disputes should be solved with mutual talks only and in presence of US observers. (2) OnlyB (1) Only A (4)BothA&B (3)OnlyC (5) None of these 18 124. Who amongst the following agreed to supply aircraft carrier "Gorshkov" to India for its defence services? (1) Russia (2) France (3) Germany (4) Italy (5) None of these 125. The Govt of India has decided to set up a Committee to redraft Right to Education Bill 2005. What was/were the objection(s) owing to which the Govt has to redraft the bill? A. State Governments an~ required to spend more money on education. Since education is the responsibility of Centre and State both, expenditure should be shared equally by both of them. B. States were advised to ensure that a school is available at a distance of one km for each child. C. Children in Central schools are not allowed to get free education whereas schools run by Stat.:Js were asked to ensure that. (1) Only A (2) OnlyB (3) OnlyC (4) Only A&B (5) All A, B & C 126. As per newspaper reports, outsourcing has become a profitable business in India and countries like China are trying to learn about it from India. What are the main factor(s) which haslhave helped India in attaining this position? A. Availability of skilled manpower in abundance B. Knowledge of English language C. A switchover from farming to other sectors which are creating more job opportunities. (1) Only A (2) OnlyB (3)BothA& B (4) OnlyC (5) All A, B & C PREVIOUS PAPER (BANK OF MAHARASHTRA) 127. Who amongst the following established the 'Anandvan', a rehabilitation centre for Leprosy patients in Maharashtra? (1) BabaAmte (2) Pandurang Shashtri Athawale (3) Medha Patkar (4) Asaram Bapu (5) None of these 128. Thaksin Shinawatra's name is associated with which of the following countries? (1) Singapore (2) Thailand (3) North Korea (4) South Korea (5) None of these 129. Bhupen Hazarika is the recipient of the Life Time Achievement Award and has been provided the status of a Cabinet Minister. Which of the following State Govt. has honoured him in this manner? (1) Orissa (2) Assam (3) West Bengal (4) Maharashtra (5) None of these 130. The first ever Youth Olympic games are scheduled to be held in 2010. These games will be organised in (1) Moscow (2) New Delhi (3) Beijing (4) Kuala Lumpur (5) None of these 131. Who amongst the following has taken over as the President of Serbia? (1) Raul Castro (2) Steven Spielberg (3) Boris Tadic (4) Joes Manuel Ramos Horta (5) None of these PREVIOUS PAPER (BANK OF MAHARASHTRA) 132. International Desert Festival 2008 was organised in February 2008 in (1) Bhuj (2) Ganganagar (3) Bikaner (4) Jaisalmer (5) None of these 133. Who amongst the following is the recipient of the "Kishore Kumar Award" given by this Madhya Pradesh Govt this year? (1) Shabana Azmi (2) Amitabh Bachchan (3) Manoj Kumar (4) Dev Anand (5) None of these 134. The Under-19 Cricket World Cup 2008 was won by which ofthe following teams? (1) Malaysia (2) India (3) Pakistan (4) Australia (5) England 135. Why was the name of Anatolyevich Medvedev in news recently? (1) He has taken over as the President of Russia. (2) He has taken over as the Prime Minister of Russia. (3) He is the new President of South Korea. (4) He is the new Prime Minister ofSouth Korea. (5) None ofthese 136. Who amongst the following was the Chief Guest in India's Republic Day function? (1) Samak Sundaravej (2) Gordon Brown (3) Boris Tadic (4) Nicolas Sarkozy (5) None of these 19 137. The General Elections in Iran are due in 2008. Iran elects its parliament for a period of (1) 2 years only (2) 3 years only (4) 5 years only (3) 4 years only (5) 6 years only 138. Which o f the following states tops in primary, upper primary education in India? (2) Haryana (1) Tamil Nadu (4) Kerala (3) Gujarat (5) None of these 139. Who amongst the following is the recipient ofPadma Vibhushan given away recently? (1) Anu Malik (2) Shan (3) Asha Bhosle (4) Sonu Nigam (5) None of these 140. Luciana Aymar, who was adjudged the World Hockey Player 2007, is from which of the following countries? (1) Germany (2) Argentina (3) Italy (4) Russia (5) None of these 141. Which of the following State Governments has decided to provide ownership rights to tribals over forest land being cultivated by them since last 10 years? (1) Madhya Pradesh (2) Uttar Pradesh (3) Maharashtra (4) Andhra Pradesh (5) None of these PREVIOUS PAPER (BANK OF MAHARASHTRA) 20 142. Who amongst the following players has 146. Which of the following committees completed 16000 runs in One-day International Cricket matches recently? (1) Anil Kumble recommended the revival of Cooperative Credit institutions in states? (1) Vaidyanathan Committee (2) Rahul Dravid (3) Sourav Ganguly (2) Rangarajan Committee (3) Sachchar Committee (4) Irfan Pathan (5) Sachin Tendulkar 143. The 11th Five Year Plan wishes to raise the mcil;lting 2% growth in agriculture and allied activities to which of the following levels by the year 2012? (1) 8% (2) 6% (3)5% (4) 4% (5) None of these 144. As a policy the Reserve Bank of India wishes to contain inflation at which of the following levels? (1) 5% (4) Rakesh Mohan Committee (5) None of these 147. "World Day for Water" is observed on which of the following days? (1) March 22 (2) February 22 (3) January 22 (4) May 22 (5) None of these 148. As we all know, Chinese economy is a (3)4% booming economy and its exports have played a significant role in it. What was the share of China's export as compared to its GDP in 2007? (1) 20% (2) 30% (4)6% (3) 40% (5) None of these (5) None of these (2) 4.5% (4) 50% 145. The current trend in agricultural sector 149. Delhi won the Ranji Trophy for the in India is a matter of concern for the policy makers these days as it is not showing the expected results. What is/ are the major area(s) of problems being faced by the farmers? seventh time in January 2008 by defeating A Irrigation facilities are not enough. B. Use of chemical fertilizers has badly affected the fertility of the land. C. Govt has reduced the subsidy in the farming sector. Hence it is no more a profitable activity. (1) Only (A) (2) Only (B) (3) Only (C) (4) All (A), (B) & (C) (5) None of these (1) Railways (2) Haryana (3) Maharashtra (4) Gujarat (5) Uttar Pradesh 150. Gagan Narang, who got a silver medal in an international championship held in Munich, is alan (1) 100-metre runner (2) Badminton player (3) Chess player (4) Swimmer (5) Air rifle shooter PREVIOUS PAPER (BANK OF MAHARASHTRA) 21 TEST-IV: ENGLISH LANGUAGE Directions (Q.151-165) : 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 ofthe questions. Political ploys initially hailed as masterstrokes often end up as flops. The Rs 60,000-crore farm loan waiver announced in the budget writes off 100% of overdues of small and marginal farmers holding up to two hectares, and 25% of overdues oflarger farmers. While India has enjoyed 8%-9% GDP growth for the past few years, the boom has bypassed many rural areas and farmer distress and suicides have made newspaper headlines. Various attempts to provide relief (employment guarantee scheme, public distribution system) have had little impact, thanks to huge leakages from the government's lousy delivery systems. So, many economists think the loan waiver is a worthwhile alternative to provide relief. However, the poorest rural folk are landless labourers, who get neither farm loans nor waivers. Halfof small and marginal farmers get no loans from banks and depend entirely on moneylenders, and will not benefit. Besides, rural India is full of family holdings rather than individual holdings, and family holdings will typically be much larger than two hectares even for dirt-poor farmers, who will, therefore, be denied the 100% waiver. It will thus fail in both its economic and political objectives. IRDP loans to the rural poor in the 1980s demonstrated that crooked bank officials demand bribes amounting to one-third the intended benefits. Very few of the intended beneficiaries who merited relief received it. After the last farm loan waiver in 1990, many banks went slow on fresh farm loans for some years. This waiver will similarly slow down fresh loans to deserving farmers. While overdues to co operatives may be higher, economist Surjit Bhalla says 16ss than 5% offarmer loans to banks are overdue, i.e. overdues exist for only 2.25 million out of90 million farmers. If so, then the 95% who have repaid loans will not benefit. They will be angry at being penalised for honesty. The budget thus grossly overestimates the number of beneficiaries. It also underestimates the negative effects of the waiver-encouraging wilful defaults in future and discouraging fresh bank lending for some years. Instead of trying tc reach the needy through a plethora of leaky schemes we should transfer cash directly to the needy, using new technology like biometric smart cards, which are now being used in many countries, and mobile phone bank accounts. Then benefits can go directly to phone accounts operable only by those with biometric cards, ending the massive leakages of current schemes. The political benefits ofthe loan waiver have also been exaggerated since if only a small fraction offarm families benefit, and many ofthese have to pay bribes to get the actual benefit, will the waiver really be a massive vote-winner? Members ofjoint families will feel aggrieved that, despite having less than one hectare per head, their family holding is too large to qualify for the 100% waiver. All finance ministers, ofthe central or state governments, give away freebles in their last budg> ~s, hoping to win electoral regards. Yet, four-fifths of all incumbent governments are voted out. This shows that beneficiaries of favours are not notably grateful, while those not so favoured may feel aggrieved, and vote for the Opposition. That seems to be why election budge"~ constantly fail to win elections in India a the loan waiver will not change that pattern. 22 151. Why do economists feel that loan waivers will benefit farmers in distress? (1) It will improve the standard of living of those farmers who can afford to repay their loans but are exempted. (2) Other government relief measures have proved ineffective. (3) Suicide rates of farmers have declined after the announcement of the waiver. (4) Farmers will be motivated to increase the size of their family holdings not individual holdings. (5) The government will be forced to reexamine and improve the public distribution system. 152. What message will the loan waiver send to farmers who have repaid loans? (1) The Government will readily provide them with loans in the future. (2) As opposed to moneylenders, banks are a safer and more reliable source of credit. (3) Honesty is the best policy. (4) It is beneficial to take loans from co operatives since their rates ofinterest are lower. (5) None of these 153. What is the author's suggestion to provide aid to farmers? (1) Families should split theirjoint holding to take advantage of the loan waiver. (2) The government should increase the reach of the employment guarantee scheme. (3) Loans should be disbursed directly into bank accounts of the farmer using the latest technology. (4) Government should ensure that loan waivers can be implemented over a number of years. (5) Rural infrastructure can be improved using schemes which were successful abroad. PREVIOUS PAPER (BANK OF MAHARASHTRA) 154. What was the outcome of IRDP loans to the rural poor? (1) The percentage of bank loans sanctioned to family-owned farms increased. (2) The loans benefitted dishonest moneylenders, not landless labourers. (3) Corrupt bank officials were the unintended beneficiaries of the loans. (4) It resulted in the government sanctioning thrice the amount for the current loan waiver. (5) None of these 155. What are the terms of the loan waiver? A. One-fourth of the overdue loans of landless labourers will be written off. B. The Rs 60,000-crore loan waiver has been sanctioned for 2.25 million marginal farmers. C. Any farmer with between 26 per cent and 100 per cent of their loan repayments overdue will be penalised. (1) Only (A) (2) Only (B) (3) Both (B) & (C) (4) All (A), (B) & (C) (5) None of these 156. What is the author's view of the loan waiver? (1) It will have an adverse psychological impact on those who cannot avail of the waiver. (2) It is a justified measure in view of the high suicide rate among landless labourers. (3) It makes sound economic and political sense in the existing scenario. (4) It will ensure that the benefits of India's high GDP are felt by the rural poor. (5) None of these PREVIOUS PAPER (BANK OF MAHARASHTRA) 157. Which of the following cannot be said about loan waiver? A. Small and marginal farmers will benefit the most. B. The loan waiver penalises deserving farmers. . C. A large percentage i.e. ninety-five percent of distressed farmers will benefit. (1) Only {C) (2) Both (A) & (C) (3) Only (A) (4) Both (B) & (C) (5) None of these 158. Which of the following will definitely be an impact of loan waiver? A. Family holdings will be split into individual holdings not exceeding one hectare. R The public distribution system will be revamped. C. Opposition will definitely win the election. (1) None (2) Only (A) (3) Both (A) & (B) (4) Only (C) (5) All (A), (B) & (C) 159. What impact '.\Till the loan waiver have on banks? (1) Banks have to bear the entire brunt of the write-off. (2) Los8 of trust in banks by big farmers. (3) Corruption among bank staff will increase. (4) Farmers will make it a habit to default on loans. (5) None of these 23 160. According to the author, what is the government's motive in sanctioning the loan waiver? (1) To encourage farmers to opt for bank loans over loans from moneylenders (2) To raise 90 million farmers out of indebtedness (3) To provide relief to those marginal farmers who have the means to but have not repaid their loans (4) To ensure they will be reelected (5) None of these Directions (Q. 161-163) : Choose the word which is most nearly the SAME in meaning as the word printed in bold as used in the passage. 161. incumbent (1) mandatory (3) incapable (2) present (4) lazy (5) officious 162. ploys (1) surveys (2) entreaties (3) ruses (4) conspiracies (5) assurances 163. aggrieved vindicated (3) offensive (1) (2) intimidated (4) wronged (5) disputed Directions (Q. 164-165): Choose the word! phrase which is most OPPOSITE in meaning of the word printed in bold as used in the passage. 164. plethora (1) dearth (3) superfluous (5) least (2) missing (4) sufficient PREVIOUS PAPER (BANK OF MAHARASHTRA) 24 170. His main qualification/on the job is/his 165. merited (2) (1) (1) ranked extensive experience/in foreign branches. (4) (3) No error (2) unqualified for (3) lacked (4) inept at (5) (5) unworthy of Directions (Q.166-175):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 number of that part is the answer. If there is no error, the answer is (5). (Ignore errors ofpunctuation, if any.) 166. Some of the worldJlargest water bodies (1) (2) (3) the livelihoods of millions. No error (5) 167. Among the many/challenges facing the (1) (2) (1) will provide students an/insight into the/ (3) economic future of our country. No error (4) (5) 172. As one of the leader/insurance companies (1) are/drying up thus threatening / (4) 171. A representative from the/Reserve Bank in/India they offer/comprehensive (3) fmancial services. No error (4) (5) 173. There is a rumour that/this multinational (2) (1) (2) country/in the next decade/is poverty and (3) (2) (4) unemployment. No error company wiWset up its regional (3) headquarters/in India in short. No error (4) (5) 168. According to economists/not more than (2) (1) five per cent lof education loans taken / (3) by students are overdue. No error (4) (5) 169. The two candidates share/a reputation (1) (2) for/competency as well as Ifor good (3) communication skills. No error (4) (5) (5) 174. Despite taking steps to/encourage foreign (1) (2) investment/there has been any/ (3) substantial improvement in our economy. (4) No error (5) 175. We had made every effort/to ensure that at (2) (1) compromise is reached and/that the deal (3) (4) was signed. No error (5) PREVIOUS PAPER (BANK OF MAHARASHTRA) 25 Directions (Q. 176-180): Which of the phrases (1), (2), (3) and (4) given below should replace the phrase given in bold in the following sentences to make the sentence grammatically correct? If the sentence is correct as it is and there is no correction required, mark (5), i.e. (No correction required', as the answer. 180. Foreign businesses in developing countries have usu.ally problems with lack ofinfrastructure and rigid laws. (1) usual problems as (2) usually problems on (3) as usual problems like (4) the usual problems of (5) No correction required 176. During the recession many companies will be forced to lay off workers. (1) have the force to (2) be forced into (3) forcibly have (4) forcefully to (5) No correction required Directions (Q. 181-185) : 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 on your answersheet. 177. He wanted nothing else excepting to sleep after a stressful day at work. (1) nothing better than (2) anything else unless (3) nothing but having (4) nothing else than (5) No correction required 178. Ramesh took charge ofthe project within a few days of having appointed. (1) having an appointment (2) being appointed (3) after being appointed (4) appointing (5) No correction required 179. It is difficult to work with him because he is one of those persons who think he is always right. (1) think they are always (2) always thinks he is (3) is always thinking they are (4) always think his (5) No correction required 181. (I\) waive (C) pursue (1)A B (3) D-C (5)D-B (B) speculate (D) revise (2) C-B (4)C-A 182. (A) contrary (C) incomparable (1)A B (3) C D (5) B.D (B) compatible (D) ambiguous (2) B.C (4)AC 183. (A) pliable (C) flexible (1) AD (3) B.D (5) A.c (B) dependable 184. (A) contingent (C) confirmed (1) B.A (3) C-B (5) D-C 185. (A) repeat (C) retaliate (1) B.D (3)A.c (5) B.c (D) viable (2) B.C (4) C D (B) pennissive (D) endorsed (2) C-A (4) B.D (B) reverberate (0) reciprocate (2) C D (4)A B PREVIOUS PAPER (BANK OF MAHARASHTRA) 26 Directions (Q. 186-190): Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given below them. A In this early period a good memory was a prerequisite for success and poets like Homer memorised their work before it was ever written down. B. Ifwe have to remember everything will it not increase the feeling of stress. C. Today memory is widely regarded as a useful aid to survival. D. However, it is not what we grasp but what we fail to-forgetting a me, key points at an interview- which causes stress. E. Some people, however, are ofthe view that having an exceptional memory in a world of high pressure working is a disadvantage. F. To our ancestors, though, in the absence of the printing press it was much more-it was the slate on which history was recorded. 186. Which ofthe following will be the THIRD sentence after rearrangement? (1) A (2) B (3) C (4)D (5) E 187. Which of the following will be the FIRST sentence after re-arrangement? (l)A (2) B (3) C (4)D (5) E 188. Which of the following will be the SECOND sentence after rearrangement? (1) B (2) C (3) D (4) E (5) F 189. Which ofthe following will be the SIXTH (LAST) sentence after rearrangement? (1) B (2) C (3) D (4) E (5) F 190. Which of the following will be the FIFTH sentence after rearrangement? (l)A (2) B (3) C (4) D (5) E Directions (Q. 191-200): 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 I phrases are suggested, one of which fits the blank appropriately. Find out the appropriate word I phrase in each case. Mobile banking (M banking) involves the use ofa mobile phone or any other mo bile device to (ill) financial transactions linked to e. client's account. M banking is new in most countries and most mobile payment models even in developed countries to date operate on a (192) scale. A mobile network offers a (193) available technology platform onto which other services can be provided at low cost with effective results. For example, M banking services which use (194) such as SMS can be carried at a cost ofless than one US cent per message. The low cost of using existing infrastructure makes such services more (JJ!Q) to use by customers with lower purchasing power and opens up access to services which did not reach them earlier due to (196) cost of service delivery. Although M banking is one aspect in the wider ('197) of e-banking there are reasons to single it out PREVIOUS PAPER (BANK OF MAHARASHTRA) for focus-especially because there are a lot more people with mobile phones than bank accounts in India. M banking could provide a (198) solution to bring more "unbanked" people to the financial mainstream. Without traditional credit, individuals are (199) to exploitation by abusive lenders offering very high interest rates on short term loans. Also of considerable importance are public safety implications for the unbanked-they are often victims ofcrime because many operate on a cash-only basis and end up carrying significant amounts ofcash on their (200) or store cash in their homes. 191. (1) disburse (2) undertake (3) subscribe (4) lure (5) amass 192. (1) full (2) voluminous (3) substantial (4) limited (5) rapid 27 195. (1) valuable (2) answerable (3) amenable (4) exposed (5) responsible 196. (1) waning (2) stable (3) proportionate (4) marginal (5) high 197. (1) archive (2) domain (3) purpose (4) component (5) aspect 198. (1) law-abiding (2) tried (3) ressuring (4) cost-effective (5) stop-gap 199. (1) inclined (2) immune (3) vulnerable 193. (1) readily (2) tangible (3) routinely (4) securely (5) unique (4) surrendered (5) pressured 200. (1) person (2) own (3) relatives 194. (1) process (2) waves (3) deliveries (4) connection (5) chennels (4) purses (5) self

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