Sectional Test for Bank Exams (Set - 8)

Sectional Test for Bank Exams (Set - 8)

ENGLISH

Directions (1 – 5): Five statements are given below, labelled a, b, c, d and e. Among these, four statements are in logical order and form a coherent paragraph/passage. From the given options, choose the option that does not fit into the theme of the passage.

1. A. The decentralisation of public administration and the introduction of local elected bodies produces systems of governance that will be better able to meet the needs of the citizens.

B. The local governments in rural India, which, though also limited in their functionality, have significantly more power than their urban counterparts.

C. If it works well, citizens in small communities will have the power to hold their elected representatives accountable for policy decisions.

D. Behind India’s decentralisation policy was the motive of the broadening of the political spectrum.

E. It can also help in yielding policy outcomes more uniquely tailored to the needs of these communities.

2. A. These changes in the law are praiseworthy except that they do not go far enough or are not wide enough to cover the women and families who really need these benefits.

B. One of the amendments to the Maternity Benefit Act, 1961, passed in the Lok Sabha grants women 26 weeks of fully paid maternity leave as opposed to the earlier 12 weeks.

C. At a time when amendments to labour laws are invariably curtailing worker rights, the Maternity Benefit (Amendment) Act (MBA), 2017 passed earlier this year is certainly welcome.

D. This obviously enforces the patriarchal belief that childcare is entirely the woman’s job.

E. The MBA leaves out 90% to 97% of the total female workforce in the country which works in the unorganised sector like domestic workers, agricultural labourers and home-based ones.

3. A. In the light of this definition, the Child Labour (Prohibition and Regulation) Amendment Act, 2016, passed last month in Parliament, seems progressive.

B. The list of hazardous occupations for children has been slashed from 83 to include just mining, explosives, and occupations mentioned in the Factory Act.

C. It prohibits the engagement of children in all occupations and of adolescents in hazardous occupations and processes, wherein adolescents refers to those under 18 years; children to those under 14.

D. It deters people from employing children by imposing a fine on anyone who employs or permits adolescents to work.

E. According to UNICEF, a child is involved in child labour if he or she, does at least one hour of economic activity, or at least 28 hours of domestic work in a week.

4. A. There are still areas of immense natural beauty and biodiversity that have changed little.

B. It has emerged as a symbol of the resurgent influence of a landowning class in Brazil who, are cashing in on the destruction of the wild.

C. The cattle raised here are then sold – in contravention of pledges to prosecutors and international consumers – to JBS, the world’s biggest meat-packing company,

D. Brazil reported an alarming 29% increase of deforestation, raising doubts that the country will be able to meet its global commitments to reduce carbon emissions.

E. On the banks of the Rio Verde, fishing lines were tangled on the rocks despite signs declaring ‘Strictly no fishing or hunting’.

5. A. The European Commission and national governments mostly attempt to regulate the companies through competition, by assuming that the states’ functions should be to provide a “level playing field” for local companies.

B. The US government sees them as pillars of post-industrial American power, and as an immense national security intelligence resource. It is therefore their strategic ally.

C. Proponents of “digital sovereignty” have chosen to build national search engines and social media structures, favouring domestic private market entrants – as has happened in Russia and China.

D. The European Union has attempted to control the companies’ behaviour by regulation and litigation

E. The world’s major societies are now wrestling with the enormous social power wielded by the internet’s platform companies –  “GAFA”: Google, Apple, Facebook and Amazon.

Directions (6 – 10): The given sentences, when properly sequenced, form a coherent paragraph. Each sentence is labelled with a letter. Choose the most logical order of the sentences from among the five given choices to construct a coherent paragraph keeping 1 and 6 as the first and the last line respectively.

6. 1) When a young girl is pushed into marriage, the damage can last long after her wedding day.

A) face a higher risk of domestic abuse, and suffer a lifetime of adverse effects on their physical and mental wellbeing.

B) Yet child marriage continues to be a common practice in the developing world.

C) According to UNICEF, there are more than 700 million women alive today who were married before they turned 18.

D) Research shows that girls who marry before the age of 18 receive less schooling than those who marry later,

6) One in three women aged 20-24 were married or in a union while still a child.what can be done to end this harmful practice?

A) DABC

B) ABCD

C) BCAD

D) BCAD

E) BACD

7. 1) Bangladesh has the world’s highest rate of marriage among girls under 15, and violence against Bangladeshi women is on the rise.

A) Unfortunately, legal efforts to protect women and girls by criminalizing aspects of child marriage face significant obstacles,

B) The existing law penalizing aspects of child marriage – the Child Marriage Restraint Act (CMRA) of 1929 – dates to the British colonial period.

C) due to the prevailing political culture, the accommodation of religious extremists, and the persistence of gender bias.

D) The law stipulates terms of imprisonment or a fine for anyone who “contracts,” “solemnizes,” or arranges a marriage with a girl under 18.

6) But, with some recent exceptions, it is frequently ignored and rarely enforced.

A) ACDB

B) ACBD

C) CADB

D) ABCD

E) ABDA

8. 1) Global business leaders and investors are largely transfixed by two kinds of risk: macroeconomic and geopolitical.

A) In the near term, this means a focus on the US Federal Reserve’s impending rate hikes and the upcoming elections in France and Germany.

B) But there is a third, arguably more pernicious, risk lurking below most decision-makers’ radar: infectious diseases.

C) Over the longer term, it means awareness of structural risks like high sovereign debt, demographic shifts, and natural-resource scarcity.

D) According to the former director of the US Centers for Disease Control and Prevention, Tom Frieden, the world is at greater risk than ever from global health threats.

6) People travel farther and more often, Supply chains, including for food and medicines, extend across the world.

A) ACDB

B) ACBD

C) DBCA

D) DCBA

E) ADCB

9. 1) The Finance Ministry’s unequivocal missive to 10 state-owned lenders to submit time-bound turnaround plans, or forsake any further capital infusion from the government, is a small yet timely step in the right direction.

A) That the Ministry has identified 10 of these PSBs to administer a dose of tough love suggests they are the ones most in need of urgent corrective action.

B) As the Reserve Bank of India had flagged in its last Financial Stability Report, risks to the banking sector remain worryingly “high”.

C) The continuous deterioration in asset quality, especially at the public sector banks (PSBs), has led to low profitability and substantial value erosion to the principal shareholder — the government.

D) As the RBI’s report pointed out, PSBs saw the proportion of their gross non-performing assets to total advances almost double in the 12 months through September 2016 to 11.8%.

6) In fact, RBI Deputy Governor Viral Acharya told bankers in a speech last month that the problem of bad loans has come to such a pass that, “we simply don’t as a society have any excuse or moral liberty to let the banking sector wounds fester and result in amputation of healthier parts of the economy.”

A) DABC

B) ADBC

C) BCAD

D) DACB

E) CBAD

10. 1) Ever since it was announced in 2005, the Indo-U.S. civil nuclear agreement has faced one obstacle after another.

A) So this week’s news that its operationalisation may be further delayed owing to Westinghouse’s financial difficulties and Japan’s procedural issues in ratifying the deal with India should come as no surprise.

B) This sets back “work toward finalising the contractual arrangements by June 2017” for six reactors to be built in Andhra Pradesh by Toshiba-owned Westinghouse and the Nuclear Power Corporation of India Ltd. (NPCIL).

C) But India has little control over both circumstances, and rather than seeing them as a setback, the government and officials should use this as an opportunity to re-examine the country’s engagement with nuclear energy for future needs.

D) Westinghouse’s near-bankruptcy is part of a larger pattern of worldwide cost overruns and delivery delays across the nuclear energy industry.

6) Nuclear manufacturer Areva (in partnership with Mitsubishi) has a similarly precarious position despite hopes of a bailout by the French government.

A) ABDC

B) BACD

C) ABCD

E) BADC

E) BCAD

Answers:

1. B)   2. D)   3. B)   4. A)   5. B)   6. D)   7. B)   8. B)   9. A)   10. C)  

QUANTITATIVE APTITUDE

Directions (1 – 5): Study the following table and answer the questions followed:

A company manufactures six products - A, B, C, D, E and F. A part of each product is exported and the remaining units are sold inside the country. The table shows the units produced, the percentage of units exported. The ratio of sold and unsold units of the part of products sold inside the country along with the tax required to be paid by the company for respective products is mentioned in the table. Now answer the following questions as per the information provided.

Product	Units Produced	% exported	Sold : Unsold	% of tax on sold
A	763992	17	7 : 9	11
B	86432	28	11 : 2	13
C	97367	41	3 : 2	21
D	654372	37	1 : 11	17
E	643721	47	9 : 2	23
F	43986	63	5 : 8	19

1. What is the difference between the in-country tax paid by D and A?

a) Rs.8900

b) Rs.1300

c) Rs.8000

d) Rs.900

e) Rs.24676

2. Highest Tax on in country sold units is paid by which of the following:

a) A

b) F

c) D

d) C

e) A and C

3. If product E needs to pay 31 % tax on exported units. Find the total amount of tax paid by the company for product E in the whole year of 1990?

a) Rs.361890

b) Rs.784444

c) Rs.190988

d) Rs.67345

e) None of these

4. If the warehouse of the company stores only the in-country saleable unsold units of each product, then what is the relation between the current warehouse storage of product A and product C.

a) A is 27334 units larger than C

b) C’s storage is 2.14 % of A

c) C is 87.95 % less than A

d) Both a and b

e) Both b and c

5. If the government imposes an agricultural tax of 17% on the unsold units of the in-country saleable units of product D only, then the agricultural tax paid by the company for D is:

a) Rs.64243

b) Rs.23411

c) Rs.89788

d) Rs.90000

e) None of these

Directions (6 – 10): What should come in place of question mark (?) in the following number series?

6. 3 14 83 254 627 ?

A) 1292

B) 1294

C) 1296

D) 1298

E) 1300

7. 18 31 83 317 1565 ?

A) 9365

B) 9375

C) 9385

D) 9395

E) 9405

8. 43 145 381 841 1639 ?

A) 2911

B) 2913

C) 2915

D) 2917

E) 2919

9. 27 38 64 86 125 ?

A) 152

B) 154

C) 156

D) 158

E) 160

10. 12 39 120 363 1092 ?

A) 3275

B) 3279

C) 3284

D) 3287

E) 3291

Solutions:

1. E) A=763992x0.83x(7/16)x0.11=30516

D=654372x0.63x(1/12)x0.17=5840

Difference=30516-5840=Rs.24676

2. A) A=Rs.30516

F=43986x0.37x(5/13)x0.19=Rs.1189

D=Rs.5840

C=97367x0.59x(3/5)x0.21=Rs.7238

Thus A has highest tax

3. E) Total tax=tax on In-country sold units +  Tax on export units

=(643721x0.53x{9/11}x0.23)+(0.47x643721)

= Rs.366750

4. B) Unsold A stored in warehouse=763992x0.83x9/16=356688

Unsold C stored in warehouse=97367x0.59x2/5=7650

7650/356688  x 100 =2.14 %

Hence option b holds true

5. A) the agricultural tax paid by the company for D = 654372x0.63x(11/12)x0.17= Rs.64243

6. B) (1)⁴ + 2, (2)⁴ – 2, (3)⁴ + 2, (4)⁴ – 2, .............

7. A) ×2 – 5, ×3 – 10, ×4 – 15, ........

8. B) 2⁴ + 3³, 3⁴ + 4³, 4⁴ + 5³, 5⁴ + 6³, ..........

9. D) 3³, 3³ + 11, 4³, 4³ + 22, 5³, 5³ + 33

10. B) 12, 12 + (12 × 2 + 3) = 12 + 27 = 39,

39 + (39 × 2 + 3) = 39 + 81 = 120

120 + (120 × 2 + 3) = 120 + 243 = 363

REASONING

Directions (1 – 5): Read the following information carefully and answer the questions below:

Ten agents from 10 different cities i.e Lucknow, Hawrah, Kolkata, Dehradun, Haridwar, Patiyala, Amritsar, Shimla, Kanpur & Mumbai are sitting in two parallel rows containing five people each, in such a way that there is an equal distance between adjacent agents. In row 1- M_1, M_2, N_1, N₂ and O (all of them are of different age) are seated and some of them are facing South and some of them are facing North. In row 2 – P₁, P₂, Q₁, Q₂ and R (all of them are of different age) are seated and some of them are facing South and some of them are facing North. Therefore in the given seating arrangement, each member seated in a row either faces another member of the other row or seated against each other. Comparison of ages is within the row.

The agent from Dehradun sits to the immediate right of P₂, who seated exactly in the middle of the row. P₁ faces one of the immediate neighbors of the agent from Hawrah.P₂ is younger than only one agent. N₂faces one of the immediate neighbors of the agent from kolkata. Q₂ is not from kolkata. N₂ is neither from Haridwar nor from Patiyala. R is older than P₁ & Q₂ but not as old as P₂. P₁ sits immediate right of the agent from Kanpur. Q₁ sits one of the extreme ends of the line and from Kanpur. N₁ sits third to the right of agent from Hawrah. Only One agent sits between the agent from Kanpur and P₂. N₁ sits to the immediate right of the agent who faces Q₂. M₁ faces the opposite direction to the agent from Amritsar. Only two people sit between N₁ and O.  Q₂ is neither from Lucknow nor from Shimla. M₁ is younger than only one agent. The agent from Haridwar sits second to the right of the one who faces North Direction. One of the immediate neighbors of the agent from Haridwar is against the agent from kolkata. P₁ does not face M₁ and faces south direction. The agent from Lucknow sits exactly between the agents from Mumbai and Haridwar. N₂ is older than O & M₂ but not as old as M₁. The agent from Patiyala faces the agent from Mumbai. R faces North Direction and sits immediate left of P₂. Only one agent sit between the agents from Kolkata and Dehradun.

1. Who Sits second to the right of P₂ ?

a) P₁

b) Q₂

c) R

d) Q₁  

e) cannot be determine.

2. Who amongst the following faces the agent from Patiyala?

a) The agent from Lucknow.

b) M₂

c) N2

d) The agent from Mumbai.

e) Both c or d

3. R is from which city?

a) Dehradun

b) kolkata

c) Mumbai

d) Kanpur

e) none of these.

4. Who sit at the extreme end of the line.

a) The agent from Lucknow and Q₁

b) M1 and the agent from Patiyala.

c) N₂ and P₁

d) Q₁ and Q₂

e) none of these.

5. Who amongst following agents is second youngest in row-2?

a) P₂

b) R

c) P₁

d) Q₂

e) can not determine.

Directions (6 – 10): In a certain coding system, the following sentences are coded as shown below (irrespective of their meaning):

basils fragrance sacred  around-  @81f   ^36s  +36a   #36b

Australia tangerine wolf-  $16w  %81t    +81a

Quetta basket catholic fantasy-  @49f   *64c   &36q   #36b

Sound task queen-  %16t   ^25s  &25q

Church fool globe-  *36c   !25g   @16f

Now answer the following questions with respect to the pattern of coding followed above:

6. What will be the code for “ tantra Britain asparagus ”?

a) #44b  -81r  %36t

b) +144r   %36t  #25b

c) &36b  %16t  !24b

d) +18a   %30r  #16c

e) %36t   #49b  +81a

7. *121c is most probably the code for?

a) Charismatic

b) Coffee

c) Comedian

d) Culprit

e) Chariot

8. What will be the code for “fantasy”?

a) @25r

b) $36f

c) +64f

d) @49f

e) Cannot be determined

9.  “ -25u  ~16z &25q “  will be the coding for?

a) uniform location rectangle

b) zeta bubble laptop

c) under quilt zero

d) unity tangent  enthusiasm

e) wolf  universe zeal

10. Given below are few words and their codes:

i) daisy- (25d

ii) copier- *36c

iii) Donald - )36d

iv) overseas-  =64o

v) practical- \81p

Which of the above codes is / are wrong ?

a) All are correct

b) I and ii

c) Either I or III

d) Only v

e) Only ii

Solutions:

(1 – 5):

1. D)   2. E)   3. B)   4. D)   5. E)  

(6 – 10): Answers with Detailed Solutions

Every code consists of three parts- a symbol, a number, an alphabet

The symbol corresponds to the first alphabet of every word

The number is the square of the number of alphabets in the word

The alphabet is the first alphabet of the word.

By elimination we get

F= @; A= +; B=#; C=*; W= $; G= !; T=%

So the code for fragrance= @81f ( 81=9^2 which is the number of alphabets in the word)

And hence the codes and the respective words are :

Basils       fragrance        sacred      around

#36b        @81f                 ^36s         +36a

Australia        tangerine       wolf

+81a                 %81t              $16w

Quetta      basket       catholic    fantasy

&36q          #36b           *64c        @49f

Sound        task         queen

^25s          %16t          &25q

Church        fool           globe

*36c             @16f         !25g

6. E)   7. A)   8. D)   9. C)   10. C)