SBI Associate Clerk 2008

For the following questions answer them individually

Which of the following department of the Government of India is helping banks in disbursement of rural credit by the banks ?

Which of the following organisations/agencies has established a fund known as “Investor Protection fund” ?

Who amongst the following is the Head of the RBI at present ?

Majority of rural people still prefer to go to which of the following for their credit needs ?

India has different categories of commercial banks.Which of the following is NOT one such category ?

Which of the following types of Banks are allowed to operate foreign currency accounts?
(A) Foreign Banks
(B) Regional Rural Banks
(C) Nationalised Banks

The money which Government of India spends on the development of infrastructure in country comes from which of the following sources ? [pick up the correct statement (s)]
(A) Loan from World Bank / ADB ect.
(B) Taxes collected from the people.
(C) Loan from the RBI.

The securities and Exchange Board of India (SEBI) recently imposed a restriction on money flow in equity through ‘P-Notes’. What is the full form of ‘P-Notes’ ?

Who amongst the following was the Captain of the Indian Cricket Team who won the Twenty-20 World Cup 2007 ?

Many times we read in financial newspapers about FII. What is the full form of FII ?

Benazir Bhutto is associated with which of the following political parties ?

One of the former Prime Ministers of which of the following countries was detained in house arrest for a short period after his/her return from a long exile ?

Who amongst the following leaders from USA visited Israel and Palestinian West Bank so that a solution to the Israel and Palestinian problem can be worked out ?

Justine Henin won the women’s singles US open Tennis championship 2007 after defeating

As reported in papers the UN World Food Programmes stopped distributing food in Mogadishu town after its local head was abducted by the government soldiers of the country. Mogadishu is the capital town of -

The financial markets of which of the following countries were badly affected by sub prime crisis ?

Which of the following countries is NOT happy with the USA’s decision to award a Congressional Medal to Dalai Lame of Tibet ?

Which of the following countries recently decided to launch a military action in Northern Iraq where many Kurdish PKK fighters are based and they are killing people from that country ?

Manmohan Singh called George Bush to explain the difficulties he is having in implementing agreements related with which of the following with USA ?

Which of the following countries is facing a problem of strike by the workers of the transport electricity and gas companies as the present Government of the country has decided to end the pension to these workers ?

The “Orange Coalition Government” was formed once again in which of the following countries ?

Which of the following countries is NOT elected by the UN General assembly on the non-permanent seats of the UN Security Council with effect from january 2008 ?

The Government of India put a ban on export of which of the following commodities at the price below the price of the same in domestic market ?

As per the recent agreement between India and one other country the Indian Rupee can be easily swapped with ?

Abdullah Gul’s name was in news recently as he has taken over the President of ?

Hem Dutta who was honoured by the prestigious Rajiv Gandhi National Sadbhawana Award 2007 is a famous

Who amongst the following is selected for Basava Award 2006-07 by the Karnataka Government ?

Who amongst the following was the captain of the Indian Hockey team who won Asia Cup 2007 held in

India’s Foreign Exchange Reserve declined sharply in recent past. What was the main reason for the same ?

Shinzo Abe who was on a visit to India in recent past is (was) the

Who amongst the following got third position in long jump event of the Bayer International Athletics meet held in Germany in 2007 ?

Cross-selling covers

A prospect means

A Lead means

A Call means

Modern methods of Marketing include

Which of the following sentence is true

For effective marketing the sales men should have which of these qualities ?

Market information means

Market Research is needed for

Which of the following statements is true ?

If Marketing is done effectively which of the following is not required ?

In a Selling Process in today’s world

Find the true statement

A Target Market is

How many options does a binary choice offer ?

Device drivers are

A collection of programs that controls how your computer system runs and processes information is called

If you receive an e-mail from someone you don’t know what should you do ?

Which of the following can handle most system functions that aren’t handled directly by the operating system ?

Computer connected to a LAN (Local Area Network ) can

Magnetic tape is not practical for applications where data must be quickly recalled because tape is

All the question in this test have three alternatives .There are no right or wrong answer for the question in this test.Describe yourself honestly and state your opinion as accurately as possible.

While starting any work ___

(A) I think and plan and once decided I stick to the decision at any cost
(B) I do not think much and do the work as it comes

In a company I would prefer to
(A) work on manufacturing a product
(B) get the information about the product and impart training on use of the product

I will be more comfortable with a job that requires______
(A) marketing survey
(B) report writing/ editing.

I would prefer a job which______
(A) involves lot of travelling all over the countries meeting new people
(B) I can perform quietly at my table

When I go on a holiday trip, I prefer to visit_____
(A) historical monuments or museums or lonely beaches
(B) fun-centers with different rides having large gatherings.

I would prefer to____
(A) sit and solve a complicated problem
(B) organize a function in the society

It is necessary to pay due respect to every individual no matter even if he/she happens to be an ordinary person

I would prefer to____
(A) visit an exhibition of flowers show
(B) attend an interactive workshop.

On a holiday, I would like to visit
(A) a developed and commercialized hill-station
(B) A quiet hill-station not so developed

I don’t mind accepting any job which is well paid irrespective of the nature of work involved

I feel most people in this world are basically nice, its the only the circumstances that make some people bad

I would rather have a wife or husband who is able to____
(A) impress people and exert a strong social influences
(B) give interesting intellectual companionship

For a vacation I would rather go to
(A) a well attended holiday town
(B) a quiet cottage away from the crowd

I believe in
(A) the motto “laugh and be merry “ on most occasions
(B) being properly serious in everyday business

I have difficulty in collecting my thoughts settling down to write a letter working on a problem etc.

I would rather have a job_____
(A) that is not so interesting but brings social prestige
(B) that I find very absorbing

Read the following passage carefully and answer the question given below it. Certain words are printed in bold to help you to locate them while answering some of the question.

A large majority of the poor in India are outside the formal banking system. The policy of 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 household or adult person may not be enough, unless these accounts and financial services offered to them are used by the account holders. At 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, interacting with the banks with their paper work, economic cost 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 saving. Poor households want to save and contrary to the common perception do have funds to save, but lack control.Informal mutual saving system like the Rotating Saving and Credit Associations (ROSCAs) widespread in Africa, and ‘thrift and credit group’s in india demonstrate that poor households save. For the poor household which lack access to the formal insurance system and the credit system, saving provide a safety net and help them tide over crises. Saving can also keep them away from the clutches of moneylenders, make formal institutions more favourable to lending to them, encourage investment and make 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 informal 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 right to withdraw any funds from their own accounts until they 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 the deposit. He could not dip into the savings even if he wanted to.These accounts did not pay 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 inclusion can be a success if financial inclusion focuses on both saving needs and credit needs having a diversified product portfolio for the poor but recognising that self control problems needed to be addressed by having commitment devices. The product with commitment features should be optional. Furthermore transaction 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.

What is the aim of the financial inclusion policy ?

The authors main objective in writing the passage is to………..

Which of the following can be inferred about products with commitment features?

(A) Demand for such products
(B) They were an effective means of increasing the savings of small account holders
(C) Such facilities can only be offered by informal institutions like MFIs.

Why do the poor not utilise banking services ?
(A) Informal institutions offer higher rates of interest than those in banks
(B) Costs of reaching banks have to be borne by the poor
(C) Bank personnel do not treat the poor respectfully because their savings amounts are minimal.

Which of the following is a recommendation made by the author regarding financial inclusion ?

Which of the following factors affects ‘saving’ behaviour among the poor ?
(A) Threats from moneylenders if they avail of banking services.
(B) Documentation required before availing of banking services.
(C) Lack of self-control.

What do the result of the study conducted in the Philippines indicate ?

Which of the following is True in the context of the passage ?

What is/are the outcome(s) of encouraging savings for the poor ?
(A) It frees them from the exploitation of moneylenders
(B) Banks are more willing to disburse loans to those who save
(C) They should invest in risky but high return ventures

What was the view of banks regarding the bank accounts of the poor in the past ?

Choose the word which is most nearly the SAME in the meaning to the word printed in bold as used in the passage.

Purely

Choose the word which is most nearly the SAME in the meaning to the word printed in bold as used in the passage.

Demonstrate

Choose the word which is most nearly the SAME in the meaning to the word printed in bold as used in the passage:

Remedy

Choose the word which is most OPPOSITE in the meaning of the word printed in bold as used in the passage.

Optional

Choose the word which is most OPPOSITE in the meaning of the word printed in bold as used in the passage.

Accessible

Read each of the following sentences to find out whether there is any error in it.The error,if any, will be in one part of sentence.The number of that part is the answer. If there is no error (E) (Ignore errors of punctuation, if any)

The scheme failed because (A)/ some states could not,(B)/ manage not to raise(C)/ the necessary funds(D)/No error(E).

Real estate prices in the(A)/ business district of the city(B)/ are expected to rise(C)/ at 15% this year(D)/ No error (E).

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

There is lots of(A)/ supports from the employees(B)/ for the proposal to(C)/ merge with the parent company(D)/ No error(E).

Experts have recommended that(A)/ the government reconsidered(B)/ restrictions imposed on foreign (C)/ investment in real estate(D)/ No error(E).

The crucial point to(A)/ be discussed at the(B)/ meeting is how to(C)/ well implement the policy(D)/ No error(E).

According to him(A)/ two factors which are(B)/ needy for success(C)/ are discipline and diligence(D)/ No error(E)

Because of the pace at(A) which the company is growing(B)/ I believe it will easily(C)/ achieve their target(D)/ No error(E)

Which of the phrases at (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.

The bank is overstaffed, has led to low productivity.

You delay in taking a decision conveys a negative impression

Today management student it self are opted to work for NGOs even though salaries offered to them are low

Absence off any guidelines they are unwilling to take up the project

Without the development of rural people country can no claim to be developed.

In each question below a sentence with four words printed in bold type given. These are (A),(B),(C)and (D). One of these four words printed in bold may be either wrongly spelt or in appropriate in the context of the sentence. Find out the word which is wrongly spelt or inappropriate, if any. The number of the 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

The organization preferred(A)/ to hire locale (B)/ population as they understood the language(C)/ and customer preferences(D)/All correct(E)

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

In each of the following sentence there are two blank spaces. Below each five pairs of words have been denoted as (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.

Mr.Srinivasan is _________to become Chairman of the group________the retirement of his father

________to your error the ______consignment has been delayed by a week.

On account of the _____in sales the software firm has achieved an eight per cent _________in net profit.

We are proud to say that today____26 per cent of our total accounts are______by women and senior citizens.

The company has ____ special training to employees on ____ to trade online.

What should come in place of question mark (?) in the following questions ?

What should come in place of question mark (?) in the following numbers series

Study the following table carefully to answer the question that follows:

 

NUMBER OF BOYS AND GIRLS IN FIVE STREAMS OF A COLLEGE OVER THE YEARS

The number of boys in Art stream in the year 2004 is approximately what per cent of the total number of boys for all the years together in Art stream ?

What is the ratio of the total number of boys to the total numbers of girls from all the stream together for the year 2007 ?

What is the ratio of the total number of boys to the total number of girls, in the Management stream for all the years together ?

What approximate value should come in place of question mark (?) in the following question ? (you are not expected to calculate the exact value )

Study the information carefully to answer the following questions:

In an organisation consisting of 750 employees the ratio of Males to Females is 8:7 respectively. All the employees work in five different departments viz. HR, Management, PR, IT and Recruitment. 16 per cent of the Females work in Management Department. 32 per cent of Males are in HR Department. One-fifth of the Females are in the Department of Recruitment. The ratio of Males to Females in the Management Department is 3:2 respectively. 20 per cent of the total numbers of employees are in PR Department.Females working in Recruitment are 50 per cent of the Males working in the same Department.8 per cent of the Males are in IT Department.The remaining Males are in PR Department.22 per cent of the Females work in HR Department and the remaining Females are working in IT Department

Number of males working in HR Department forms approximately what per cent of total number of the employees in the organisation ?

Number of males working in PR Department forms what per cent of the numbers of Females working in the same Department ? (rounded off to two digits after decimal)

For the following questions answer them individually

The simple interest accrued on an amount of Rs 19,800 at the end of three years is Rs 7,128. What would be the compound interest accrued on the same amount at the same rate in the same period ?

If the numerator of a fraction is increased by 400% and the denominator is increased by 500% the resultant fraction is $$\frac{10}{21}$$. What was the original fraction ?

The ages of Aarzoo and Arnav are in the ratio of 11:13 respectively.After 7 years the ratio of their ages will be 20:23. What is the difference in years between their ages ?

Study the graph carefully to answer the question that follow:
Number of Girls Enrolled in Different Hobby
Classes in various Institutes in a year

What is the respective ratio of total number of girls enrolled in painting in the Institutes A and C together to those enrolled in stitching in the Institutes D and E together ?

Number of girls enrolled in stitching in Institute B forms approximately what per cent of the total number of girls enrolled in stitching in all the Institutes together ?

What is the respective ratio of total number of girls enrolled in Painting, Stitching and Dancing from all the Institutes together ?

Number of girls enrolled in Dancing in Institute A forms what per cent of total number of girls enrolled in all the Hobby classes together in that Institute ? (rounded off to two digits after decimal)

For the following questions answer them individually

Among M, T, R and P, M is older than only P.T is older than R. Who among them is the oldest ?

Four of the following five are like in a certain way and so form a group. Which is the one that does not belong to that group ?

How many meaningful English words can be formed with the letters of the words EROS only once in each word ?

If ‘P’ denotes ‘+’, ‘R’ denotes ‘$$\div$$’, ‘T’ denotes ‘-’ and ‘W’ denotes ‘x’, then 40 R 8 W 10 T 12 P 16 = ?

How many such pairs of letters are there in the word CONSTABLE each of which has as many letters between them in the word as in the English alphabet ?

In a certain code BOARD is written as 54#12 and MORE is written as 941$. How is DREAM written in that code ?

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 ?

How many such digits are there in the number 5231698 each of which is as far away from the beginning of the number as when the digits are rearranged in ascending order ?

In each of the following question below are given three statements followed by three conclusion numbered I, II, 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 conclusion logically follows from the given statements disregarding commonly known facts

Statements:
Some flowers are bins.
Some bins are handles
All handles are sticks
Conclusion:
I: Some sticks are bins.
II: Some handles are flowers.
III: Some sticks are flowers.

Statements:
Some towers are windows.
All windows are houses.
Some houses are temples.
Conclusions:
I: Some towers are temples.
II: some houses are towers.
III: Some temples are windows.

Statements:
Some walls are doors.
Some doors are cots.
Some cots are chairs.
Conclusions:
I: Some chairs are doors.
II: Some cots are walls.
III: No chair is door

Statements:
All trees are garden.
All gardens are stones.
All stones are fences.
Conclusion:
I: Some fences are gardens.
II: All gardens are fences.
III: Some stones are trees.

Statements:
All books are leaves.
Some leaves are jungles
No jungles is box
Conclusions:
I: Some jungles are books.
II: No book is box.
III: Some leaves are boxes

Study the following arrangement carefully and answer the questions given below:
7 R E T 4 A 9% D F I U # B @ 8 HI © W M $$\bigstar$$ 3 2 V $ 5 N P 6 Q

How many such consonants are there in the above arrangement, each of which is immediately preceded by a consonant and immediately followed by a number ?

How many such numbers are there in the above arrangement each of which is immediately followed by a symbol ?

How many vowels are there in the above arrangement each of which is immediately followed by a symbol ?

Four of the following five are alike in a certain way based on their positions in the above arrangement and so form a group.Which is the one that does not belong to the group ?

In each question below is given a group of digits followed by four combinations of letters or symbols (a),(b)(c) and (d). You have to find out which of the combinations correctly represent the group of digits based on the coding system and the conditions given below and mark the number of that combination as your answer. If none of the combinations correctly represents the group of digits mark (e) i.e ‘None of these’ as your answer
Digits 5 1 3 4 9 6 8 2 7
code P A K % R @ D © M
Conditions:
(i) If the first digit is odd and the last digit is even the codes for the first and last digits are to be interchanged
(ii) If both the first and the last digits are even both are to be coded as $$\bigstar$$
(iii) If both the first and the last digits are odd both are to be coded as $.

Study the following information carefully and answer the question given below:
A,B,C,D,E,F,G and H are sitting around a circle facing at the center. D is second to the left of F and third to the right of H. A is second to the right of F and on immediate neighbour of H C is second to the right of B and F is third to the right of B. G is not an immediate neighbour of F.

What is E’s position with respect to G ?

In each of the following questions the symbols @, © ,#, $ and % are used with the following meaning as illustrated below:
‘P©Q’ means ‘P is either greater than or equal to Q’
‘P%Q’ means ‘P is either smaller than or equal to Q’
‘P@Q’ means ‘p is neither greater than nor smaller than Q’
‘P#Q’ means ‘p is smaller than Q’
‘P$Q’ means ‘p is greater than Q.
Now in each of the following question assuming the given statements to be true find which of the two conclusion I and II given below them is /are definitely true ?

Statement:
D$N,N#F,F © T
Conclusions:
I. T # N
II. D $ F

Statements:
J $ M, M © K, K # N
Conclusions:
I. J $ K
II. N $ M

Statements:
F # T, T @ W, W $ H
Conclusions:
I. F # H
II. F © H

Statements:
M % T, T # R, R @ D
Conclusions:
I. D $ T
II. R $ T

Statements:

K © R,R $ F, F # B

Conclusions:
I. B $ R
II. F # K

In each of the following question below which one of the five answer figures should come after
the problem figure.

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