Jack Of Interviews: IBPS Clerk Interview Preparation

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Tuesday, August 24, 2021

How are NPA(Non Performing Assets) identified? - Banking Basics

How are NPA(Non Performing Assets) identified?

An asset, including a leased asset, becomes non performing when it ceases to generate income for the bank. A non performing asset (NPA) is a loan or an advance where;

Interest and/ or installment of principal remain overdue for a period of more than 90 days in respect of a term loan,
the account remains ‘out of order’ in respect of an Overdraft/Cash Credit (OD/CC).
◦An account should be treated as 'out of order' if the outstanding balance remains continuously in excess of the sanctioned limit/drawing power. In cases where the outstanding balance in the principal operating account is less than the sanctioned limit/drawing power, but there are no credits continuously for 90 days as on the date of Balance Sheet or credits are not enough to cover the interest debited during the same period, these accounts should be treated as 'out of order'.
the bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted
Any amount due to the bank under any credit facility is ‘overdue’ if it is not paid on the due date fixed by the bank.
the installment of principal or interest there on remains overdue for two crop seasons for short duration crops,
the installment of principal or interest there on remains overdue for one crop season for long duration crops,
the amount of liquidity facility remains outstanding for more than 90 days, in respect of a securitisation transaction
in respect of derivative transactions, the overdue receivables representing positive mark-to-market value of a derivative contract, if these remain unpaid for a period of 90 days from the specified due date for payment.

Banks should, classify an account as NPA only if the interest due and charged during any quarter is not serviced fully within 90 days from the end of the quarter.

Wednesday, April 24, 2013

BANK PO LOGICAL ABILITY SOLVED PAPER

1.If GRAMMAR is written as MAMRAGR, the ENGLISH is written as:
(a) LIGNSEH
(b) GINESHL
(c) LGINSEH
(d) NHSELGI
(e) None of these
Ans (c)

2. Which of the following replaces the question mark?
MILD : NKOH :: GATE?
(a) HCWI
(b) HDVQ
(c) IBUP
(d) HDUR
(e) None of these
Ans (a)

3. If DBMDVUUB stands for Calcutta, How will you write Bombay?

(a) DQUDDXB

(b) CPMCBZ

(c) DPNCB

(d) CPNCBZ

(e) None of these

Ans (d

4.Insert the word that completes the first word and begins the second

Clue: boy

BAL(....)DER

(a) ERS

(b) OCK

(c) LAD

(d) LIES

(e) None of these

Ans (c)

5. A man travels three miles due North, then travels eight miles due East and further travels three miles due North. How far is he from the starting point?

(a) 14 miles

(b) 10 miles

(c) 100 miles

(d) 15 miles

(e) None of these

Ans (b)

6. Which is the wrong member among the following?

(a) Microscope

(b) Stethoscope

(c) Telescope

(d) Periscope

(e) None of these

Ans (b)

7. From the following select the member that does not belong to the set

(a) Whale

(b) Crocodile

(c) Lizard

(d) Snake

(e) None of these

Ans (a)

8. Which is not related in the following set?

(a) Othello

(b) King Lear

(c) Macbeth

(d) Oliver TwistV

(e) None of these

Ans (d)

9. Which is the wrong member in the following set?

(a) Graphite

(b) Diamond

(c) Pearl

(d) Coal

(e) None of these

Ans (c)

10. From the following select the word that does not belong to the set

(a) Cube

(b) Rectangle

(c) Rhombus

(d) Square

(e) None of these

Ans (a)

11. If in a certain code TWENTY is written as 863985 and ELEVEN is written as 323039 how is TWELVE written?

(a) 863584

(b) 863203

(c) 863903

(d) 863063

(e) None of these

Ans (b)

12. Showing a man Saroj said: “He is the brother of my Uncle's daughter”. What is the relation of Saroj with that man?

(a) Son

(b) Brother-in-law

(c) Nephew

(d) Cousin

(e) None of these

Ans (d)

13.In a certain code MONKEY is written as XDJMNL. How is TIGER written in that code?

(a) SDFHS

(b) SHFDQ

(c) QDFHS

(d) UJHFS

(e) None of these

Ans (c)

14.Choose the subject which is different from others

(a) Mathematics

(b) Arithmetic

(c) Geometry

(d) Algebra

(e) None of these

Ans (a)

15. Aluminium is to Bauxite as iron is to

(a) Pyrite

(b) Haematite

(c) Magnesite

(d) Iron Oxide

(e) None of these

Ans (b)

16. Which among the following is different from others?

(a) DE

(b) PQ

(c) TU

(d) MO

(e) None of these

Ans (d)

17. Which is the odd pair of words different from the following sets?

(a) Blacksmith : Anvil

(b) Carpenter : Saw

(c) Goldsmith : Ornaments

(d) Barber : Scissor

(e) None of these

Ans (c)

18. Which is the pair like Triangle : Hexagon?

(a) Cone : Sphere

(b) Rectangle : Octagon

(c) Pentagon : Heptagon

(d) Triangle : Quadrilateral

(e) None of these

Ans (c)

19. Bag is related to luggage in the same way as ship is related to

(a) Cargo

(b) Coal

(c) Stock

(d) Weight

(e) None of these

Ans (a)

20. Moon : Satellite :: Earth : ?

(a) sun

(b) solar system

(c) asteroid

(d) planet

(e) None of these

Ans (d)

21. Select the pair which has the same relationship as the given pair Traveler : Destination

(a) Beggar : Donation

(b) Teacher : Education

(c) Refugee : Shelter

(d) Accident : Hospital

(e) None of these

Ans (c)

22. A man is facing north-west. He turns 90o in the clockwise direction and then 1350 in the anticlockwise direction. Which direction is he facing now?

(a) east

(b) west

(c) north

(d) south

(e) None of these

Ans (b)

23. Which is the irregular member of the following group?

(a) RQPA

(b) MLKA

(c) STUA

(d) HGFA

(e) None of these

Ans (c)

24.Choose which is least like the other words in the group?

(a) Club

(b) hotel

(c) hostel

(d) inn

(e) None of these

Ans (a)

25. Which among the following is same as Violet : Orange : Yellow?

(a) Purple

(b) White

(c) Pink

(d) Blue

(e) None of these

Ans (d)

Tuesday, April 23, 2013

Bank Essay topics for Written exams

Uses of Public Library
Man is a moral, accountable being
Smoking Should Be Banned In Public Places
Festivals Of India Abroad
What brought losses in the recent quarters for a few banks and steps they should take to avoid losses.
The Qualities Of A Good Citizen
COTTAGE INDUSTRIES
Sex Education--Relevance and Challenges
FDI IN RETAIL
FEATURE OF ECNOMIC RECESSION
Corruption In India
Legalising Prostitution in India
Is it advisable to take up a government job or a private sector job and why?
RISE OF THE AMERICAN DOLLAR
LATEST TECHNOLOGIES IN BANKING
Role of media in a democracy
Twenty overs cricket -- is it helping cricket or takes away the merit of cricket -- in the light of fixing controversies
MOBILE BANKING
STRATEGY TO ALLEVIATE POVERTY
Social Banking
TV - An Addiction
BANK ARE MANUFACTURE OF MONEY
Newspapers -- relevance in the context of internet and television providing immediate news .
WOMEN SECURITY
Unemployment
Man and Environment
DISCIPLINE IN LIFE
Measures to improve economy
Jan Lokpal Bill
Dowry System : A Curse
Bribery in Business
"The greater the spirit, greater is the chances of success in any work/venture/attempts". Elaborate
Hike in petrol prices -- Is it right for the government to hike or not?
Budget 2013-14
Computer websites like facebook, twitter -- are they helpful or they affect our privacy?
Economic Growth Of India
Status of Women in India: Peeping into the Grey Areas
Can politics be delinked from Indian sport?
Who must take care of the environment?
Leadership is doing the right things; Management is doing things right
Corporate Social Responsibility benefits the bottom line
Has globalization really worked?
Integrity at work
Buying options: A matter of trust
People: The most important asset of any enterprise
Cricket a national obsession- detrimental to other sport
Man is a Social Animal
Management styles: Why things go wrong?
Do we need to dress for success?
What do Chief Executive Officers do?
The element of Risk in management.
Outsourcing to reduce risk
Management is what managers do
Terrorism benefits whom
Nation’s growth must be inclusive
Distribution of free laptop to students is not good.
The secret to winning more gold in the Olympics
The ban on smoking- Gimmick or success
Why does a nation need forex reserves?
What makes you a suitable candidate for an MBA?
Is India really shining?
What is revenue deficit?
What is the job of the Manager?
Is democracy working for India?
Performance appraisal- A Useful tool for growth
Corruption an outcome of Democracy
Agricultural subsidies: A Boon or a Bane
The problems of a few airlines and suggestions for their recovery
Do we need a dictator?
Does the media need censorship?
Reforms in education a necessity
Management objective- Maximise profits
Classroom learning vs experiential learning
Is democracy hampering our growth?
Is peace and non-violence for the 20th century only?
Is India safe for its citizens?
One can make a difference
What does 15th August mean to me?
Is Gandhi’s policies relevant today?
I believe, success in life comes from
Dependence on computers a blessing or bane
Voters and not politicians responsible for criminalization of politics
Business ethics - A necessity or luxury
Do the modern means of telecommunication post a threat to our society and culture.
Can Laws alone fight corruption?
Women empowerment and national development
Security imperatives for India in the emerging ge0-political developments
Freedom of expression is an absolute right - for and against.
Old is gold - for and against
The predicaments of democracy
In India when inflation rises governance stalls
Modern world’s fear about nuclear energy
Information Technology changing the Indian society
Inventions generate necessity
Does Indian cinema shape our popular culture or simple reflect it?
Both human intelligence and technical intelligence are crucial in combating terrorism

Bank Essay Topics - Points & Tips for each Topic

1. The problems of a few airlines and suggestions for their recovery.

Points: Problems faced by Kingfisher Airlines, Air India. -- Pilots going on mass leave , steps taken by the government. -- causes and remedies.

2. What brought losses in the recent quarters for a few banks and steps they should take to avoid losses.
Points: High incidence of NPA in new loan accounts also. -- pertains to many sectors such as industries, education loan, housing loan etc. Pressure brought by politicians to make advances to all without leaving scope for study of individual cases. -- also careless dealing of advance sanctions by a few personnel-- for personal gains.

3. Twenty overs cricket -- is it helping cricket or takes away the merit of cricket -- in the light of fixing controversies.

Points:    Twenty overs cricket -- too much advertisement, costs. Each player is paid high amounts. Ticket costs are high. Most of the matches last over only decides the match -- fixing up of these matches cannot be ruled out. Sachin Tendulkar has said though there are minor lapses in IPL , it is a good form of cricket.

One way good players from various countries join together in one team and play. Not good in one way - players from the same Indian state compete here.

4. Hike in petrol prices -- Is it right for the government to hike or not?

Points:    High is mainly due to rise in the value of dollar as against indian rupees. International oil prices have not risen. There is scope for reduction of prices increased. But many parties try to capitalise on this situation.

5. Computer websites like facebook, twitter -- are they helpful or they affect our privacy?
Points: Some of the websites do not have adequate privacy terms. Users are not aware as to how they have to protect their privacy. When the photos, information fall into the hands of unscrupulous people they misuse the same. Too much time is wasted on these websites by youngsters-- boys and girls affecting their studies.
6. Is it advisable to take up a government job or a private sector job and why?
Points:   There is no job security in IT industry and other private sectors. it is advisable to join a public sector bank or company, serve well and be hopeful of getting rises in career.   Though salary may not match the IT industry one has job satisfaction, mental satisfaction and opportunity to serve others.

7. Newspapers -- relevance in the context of internet and television providing immediate news .

Points: Yes, news is available in internet,   In many parts of our country internet has not spread adequately--even college students do not have access to internet. Newspaper can be read at any part of the day or thereafter and helps one to improve his communication skill.
8. "The greater the spirit, greater is the chances of success in any work/venture/attempts". Elaborate.

Points": Anything we do we must do with sincerity and full interest. When a lady cooks food with passion the quality of food will be good. On the other hand when she cooks with lack of interest it will not come out well. this can be extended to any field -- acting in a movie, playing for a State or country in cricket, football , writing stories, books, managing functions etc.

Solved Analytical Reasoning Paper

Directions: Study the following information carefully and answer the given questions.

Eight friends A, B, C, D, E, F, G and H are sitting around a square table in such a way that four of them sit at four corners of the square while four sit in the middle of each of the four sides. The ones who sit at the four corners face the centre while those who sit in the middle of the sides face outside. A, who faces the centre, sits third to the right of F. E who faces the centre, is not an immediate neighbour of F. Only one person sits between F and G. D sits second to the right of B. B faces the centre. C is not an immediate neighbour of A.

Q1. Who sits third to the left of D?

    G
    H
    F
    C
    Cannot be determined

Q2. What is the position of C with respect to G?

    Fourth to the right
    Fourth to the left
    Both (a) & (b)
    Second to the right
    Second to the left

Q3. Which of the following will come in place of the question mark based upon the given seating arrangement? GA   EC   BG   CD   (?)

    HE
    FH
    FB
    AH
    BF

Q4. Which of the following is true regarding C?

    C faces the centre
    C is second to the left of F.
    C sits exactly between A and B
    B sits third to the left of C
    Cannot be determined

Q5. 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?

    C
    G
    F
    H
    D
ANSWERS

Q1. A

Q2. C

Q3. A

Q4. B

Q5. E

Solved Sentence Correction Practice paper from previous Exam papers - IBPS /RRB/PO/MBA Admissions

Read each sentence to find out whether there is any grammatical error in it. The error if any will be in one part of the sentence, the number of that part will be the answer. If there is no error, mark (5) as the answer. (Ignore errors of punctuation, if any)

1. The right to adequate food (1) / and clean drinking water (2) / should be regarded as a (3) / basic right of all citizen of India (4). No error (5)
2 A sharp fall in (1) / international prices of tea (2) / have lead tea plantation workers (3) / in Kerala to face starvation (4). No error (5).
3 In spite freedom of the press is vital to democracy (1) / the thin line between reporting facts (2) / and expressing opinions on them (3) / is being increasingly crossed (4). No error (5)
4 In India, the teacher has been elevated (1) / to a position of power (2) / and a part of that power has been (3) / to assuming the right to punish the students (4). No error (5)
5 In the flying game, there are a host of (1) / new low-cost airlines that dare to roar, (2) / providing a glimmer of hope of (3) / more cheaper air transport to millions (4). No error(5)
6 A question worth to ask is that (1) / whether the National Awards represent (2) / Pan - Indian cinema or (3) / is the focus on mainstream films only (4). No error (5).
7 Indian every single (1) / expectation from its cricket team (2) / invariably oscillates between (3) / a cynical pessimism and an unjustified optimism (4)/. No error (5)
8 The road widening exercise (1) / who aims to make National Highway a four-lane highway, (2) / poses a threat to the (3) / fragile environment of the Himalayas (4). No error (5).
9 In the aftermath of the Asian tsunami, (1) / the sporting community have responded (2) / swiftly to contribute in whatever way it could, (3) / both financially and qualitatively (4). No error (5)
10 Seen as an indicator of the maturity (1) / of outsourcing business in India, (2)/ the Indian outsourcing market is (3) / expected to growth to eleven billion dollar by this year (4). No error (5).

ANSWERS

1 .d
2 .c
3 .a
4 .d
5 .d
6 .d
7 .a
8 .b
9 .b
10.d

Monday, April 15, 2013

Indian Cities & Nicknames

City	State	Nickname
Ludhiana	Punjab	Manchester of India
Amritsar	Punjab	Golden City , Guru Ki Nagri - "The Guru's City"
Bangalore	Karnataka	Garden City
Bangalore	Karnataka	Silicon Valley of India
Bhubaneswar	Orissa	Cathedral City
		Temple City of India
		City of Temples
Coimbatore	Tamil Nadu	Manchester of South India
Darjeeling	West Bengal	The Queen of the Hills
Jaipur	Rajasthan	Pink City
Jaisalmer	Rajasthan	Golden City of India
Jaisalmer	Rajasthan	Sun City
Kolkata	West Bengal	City of Joy, City of Palaces, City of Bridges, Cultural Capital of India, Literary Capital of India, City of Furious Creative Energy
Kanpur	Uttar Pradesh	Manchester of North [13], Leather City of the World [14]
Lucknow	Uttar Pradesh	City of Nawabs
Mumbai	Maharashtra	City of Seven Islands, City of Dreams
Nagpur	Maharashtra	Orange City
Pune	Maharashtra	Queen of Deccan
Siliguri	West Bengal	Gateway to the Duars, Gateway to the Northeast
Udaipur	Rajasthan	City of Lakes
Udaipur	Rajasthan	Venice of the East
Varanasi	Uttar Pradesh	City of Temples
Varanasi	Uttar Pradesh	City of Learning
Jamshedpur	Jharkhand	Steel city of India, Green city, Clean city

Thursday, April 11, 2013

SBI PO --QUESTIONS EXPECTED - General Awareness, Marketing and Computers

1.India lost the Asia/Oceania Group-I Davis Cup tie against which of the following countries recently?
a) Spain
b) Indonesia
c) Canada
d) South Korea
e) None of these
2.Examine the following statements with respect to the Short Range-Surface to Air Missile (SR-SAM) deal concluded between India and France recently:
A) The SR-SAM deal worth Z30,000 crore between India and France was concluded recently during French President Francois Hollande's India visit.
B) The SR-SAM would be co-developed by MBDA of France and DRDO of India.
C) The SR-SAM would be deployed by the IAF, the French Air Force and its other European allies. Which of the above statements is/are correct?
a) Only (A)
b) Only (B)
c) Only (C)
d) Only (A) and (B)
e) Only (A) and (C)
3.Consider the following statements regarding Damodaran Committee:
A) It is a panel comprising government officials and corporate honchos set up to look into ways to improve the country’s overall business environment.
B) The panel headed by the former Sebi Chairman M Damodaran is likely to finanlise its report soon.
C) The committee was set up by the Ministry of Corporate Affairs.
Which of the above statements is/are correct?
a) Only(A)
b) Only(B)
c) Only (C)
d) Only (A) and (B)
e) All (A), (B) and (C)
4.Which of the following PSUs has gotten the Maharatna status from the CentralGovernment recently? It will now get enhanced powers to expand its operations in the domestic and global markets.
a) Bharat Heavy Electricals Ltd
b) Oil India Limited
c) Mahanagar Telephone Nigam Limited
d) Bharat Electronics Limited
e) None of these
5.Consider the following methods adopted by the RBI:A) Selective Credit Control B) Credit Authorisation Scheme C) Moral Suasion Which of the above methods is/are considered to be a qualitative method(s) of credit control?
a) Only (A)
b) Only (B)
c) Only (C)
d) All the above
e) None of the above
6.With respect to 'financial inclusion', which of the following will be the best alternative banking service to branch banking?
a) Setting up of ATMs
b) Providing credit cards
c) Establishing personal banking branches
d) Mobile banking
e) None of the above
7.Rohinton Nariman resigned as the Solicitor-General of India recently. Who among the following has been appointed the new Solicitor-General of India?
a) Mohan Parasaran
b) OR Rajagopaul
c) Abdul Rehman
d) Harish Salve
e) None of these
8.The Ministry of Information and Broadcasting has constituted a panel to examine issues of certification under the Cinematograph Act 1952. The panel is headed by
a) Javed Akhtar
b) Mukul Mudgal
c) Shanni la Tagore
d) Lalit Bhasin
e) Pankaja Thakur
9.The Centre for Development of Advanced Computing (C-DAC) unveiled its latest supercomputer recently which is capable of crunching data up to 524 teraflops, about 10 times faster than the previous supercomputer. Name the latest supercomputer.
a) Param Yuva-I
b) Param Yuva-II
c) Param Yuva-III
d) Param Yuva-IV
e) None of these
10.     Which of the following best defines 'teaser rates', the rate we often read about in newspapers?
a) An introductory high rate offered by the banks on the deposits which goes down as time passes
b) An introductory high rate of interest offered by the banks on home loans which are promised to go below the normal rate as time passes
c) An introductory low rate of interest offered by the banks on home loans which increases after a certain period and becomes higher than the normal rate.
d) An introductory low rate of interest offered by the banks on deposits which increases after a certain period and becomes higher than the normal rate.
e) None of the above
11. Consider the following mechanisms with respect to micro credit: a) Regular Repayment Schedule         b) Dynamic Incentive    c) Col laterals Which of the above does/do not contribute to the success of micro credit?
a) Only (A)
b) Only (B)
c) Only (C)
d) Only (A) and (B)
e) All the above
12.     Examine the following statements with respect to the latest announcement made by the US President to withdraw its troops from Afghanistan:
a) The US has announced to withdraw 34,000 American troops in the next one year from war-torn Afghanistan.
b) By the end of 2014, the US will end the war in Afghanistan and all its commitment will come to an end.
c) The US will continue training and equipping Afghan forces so that the country does not slip again into chaos.
Which of the following statements is/are correct?
a) Only (A)
b) Only (B)
c) Only (C)
d) Only (A) and (C)
e) All (A), (B) and (C)
13.     Examine the following statements with respect to the order of a CBI probe into the alleged scam in a chopper deal with an Italian firm:
A) The CBI will probe into the alleged scam in the `3600-crore deal for 12 helicopters with an Italian firm Agusta Westland, a subsidiary of aerospace giant Finmeccanica.
B) The head of Finmeccanica, Giuseppe Orsi, has been arrested in relation to -a probe into international corruption which has prompted the government in India to order a CBI probe.
C) Ottavio Quattrocchi, an Italian businessman, allegedly approached and bribed. it to mend rules so that the Italian company could bag the deal.
a) Only (A)
b) Only (B)
c) Only (C)
d) Only (A) and (B)
e) Only (A) and (C)
14.     Which of the following countries has been in news for the smog and heavy pollution enveloping most of its major cities recently? PM 2.5, the microscopic pieces of solid or liquid matter in the air that adversely affect human health, has risen 20 times higher than permissible limits.
a) UK
b) Japan
c) China
d) South Korea
e) None of these
15.     Which of the following statements is/are correct about Real Time Gross Settlement (RIGS)?
A) In RTGS, processing and final settlement of fund transfer instructions can take place simultaneously.
B) In RIGS, final transaction takes place at the end of the day.
C) In RIGS, final settlement of fund takes place at 3 pm every day.
a) Only (A)
b) Only (B)
c) Only (C)
d) Only (A) and (C)
e) None of these

1.D      2.D      3.E4.A      5.D      6.D      7.A      8.B      9.B      10.C
11.C    12.D    13.D    14.C    15.A

Tuesday, April 9, 2013

IBPS PO - Computer Awareness- Question Paper 2011 - Solved (A)

Solution to: IBPS PO - Computer Awareness- Question Paper 2011

1.1       11.1       21.3     31.2      41.5

2.1       12.3       22.2     32.2      42.4   

3.5       13.1       23.2     33.3      43.3

4.2       14.1       24.4     34.1      44.5

5.3       15.4       25.4     35.2      45.4

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6.4       16.5       26.1     36.4      46.1

7.1       17.5       27.1     37.5      47.2

8.5       18.3       28.4     38.3      48.4

9.3       19.3       29.3     39.3      49.3

10.1      20.2       30.2     40.3      50.3

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IBPS PO - Computer Awareness- Question Paper 2011 - Solved (Q)

1.To chance selected text to all capital letters, click the change case button, and then click______
a. UPPERCASE
b .UPPER ALL
c. CAPS LOCK
d. Lock upper
e. Large size
2.a person who used his or expertise to gain access to other peoples computers to get information illegally or do damage is
a. hacker
b. analyst
c. instant messenger
d. programmer
e. spammer
3. A device that connects to a network without the use of cables is said to be__________
a. distributed
b. free
c. centralized
d. open source
e. none of these
4. Reusable optical storage will typically have the acronym
a. CD
b. DVD
c. ROM
d. RW
e. ROS
5.the most common type of storage devices are___________
a. persistence
b. optical
c. magnetic
d. flash
e. Steel
6.Codes consisting of lines of varying widths or lengths that are computer –readable are known as_______
a. an ASCII Code
b. a magnetic type
c. an OCR scanner
d. a bar code
e. none of these
7.A website’s main page is called it’s__________
a. home page
b. browser page
c. search page
d. a bar code
e. none of these
8.Part number, part description ,and number of parts ordered are examples of_______
a. control
b. output
c. processing
d. bookmark
d. feedback
e. output
9.To access properties of an object, the mouse technique to use is __________
a. dragging
b. dropping
c. right-clicking
d. shift-clicking
e. none of these
10.Computers used the__________ number systems to store data and perform calculations
a. binary
b. octal
c. decimal
d. hexadecimal
e. none of these
11.______ are attempts by individuals to obtain confidential information from you by falsifying their identity
a. phishing trips
b. computer viruses
c. spyware spams
d. viruses
e. phishing scams

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12. Why is it unethical to share copyrighted files with your friends
a.it is not unethical, because it is legal
b. it is unethical because the files are being given for free
c. sharing copyrighted files without permission breaks copyrights laws.
d. it is not unethical because the files are being given for free
e. it is not unethical-anyone can access a computer
13. Which of the following can be used to select entire document?
a. CTRL+A
b.ALT+F5
c. SHIFT+A
d. CTRL-K
e. CTRL+H

14.To instruct word to fit the width of a column to the contents of a table automatically, dick the_____ button and then option to auto fit content
a. Fit to form
b. format
c. auto size
d. contents
e. auto fit
15. The simultaneous processing of 2 or more programs by processor is ___________
a. Multi programming
b. multi-tasking
c. time-sharing
d. multi-processing
e. none of these
16.A disk’s content that recorded at his time of manufacture and that cannot be erased by the user is______
a. memory -only
b. write- only
c. once- only
d. run-only
e. read-only
17. What is he permanent memory built in to your computer called?
a. RAM
b. Floppy
c. CPU
d. CD-ROM
e. ROM
18.The default view in Excel is_____________ View.
a. Work
b. Auto
c. normal
d. Roman
e. none of these
19.What displays the contents of the active cell in Excel
a. Name box
b. Row heading
c. Formulator
d. Task panel
e. none of these
20.In word you can force a pace break___________
a. by positioning your cursor at the appropriate place and pressing the F1key
b. By positioning your cursor at the appropriate place and pressing Ctrl+Enter
c. By using the insert/section break
d. by changing the font size of your documents
e. None of these
21. Grouping and processing all of firm’s transections at one time is called__________
a. A data base management system
b. Batch processing
c. A Real time system
d. An one line system
e. None of these
22. Help menu is available at which button
a. end
b. start
c. turnoff
d. restart
e. reboot
23. you can keep your personal files/folder in_______
a. my folder
b. my documents
c. my files
d. my text
e. none of these
24.A central computer that holds collections of data and program for many PC’s. Work station, and other computers is a(n)_____________
a. Super computer
b. mini computer
c. laptop
d. server
e. none of these
25. When you save to this, your data will remain intact even when the computer is turned off.
a. RAM
b. mother board
c. secondary storage device
d. primary storage device
e. none of these
26. The _____________ folder remains copies of messages that you have started but are not yet ready to send.
a. drafts
b. outbox
c. address book
d. sent items
e. inbox
27.you can _________________search by providing more information the search engine can use to select a smaller, more useful set of results
a. refine
b. expand
c. load
d. query
e. slowdown
28.The content of_______________ are lost when computer turn off.
a. storage
b. input
c. output
d. memory
e. none of these
29. The _____________ enables you to simultaneously keep multiple web pages open in one browser window.
a. tab bar
b. pop-up helper
c. tab row
d. address bar
e. esc key
30. a DVD is an example of a(n)__________
a. hard disk
b. optical disk
c. output device
d. Solid-state storage device
e. none of these
31. The basic unit of a work sheet into which you enter data in excel is called a   ______________
a.Tab
b. cell
c. box
d. range
e. none of these
32. __________ is the process of dividing the disk into tracks and sectors
a. tracking
b. formatting
c. crashing
d. allotting
e. none of these
33. Which ports connects special types of music instruments to sound cards?
a. BUS
b. CPU
c. USB
d. MDI
e. MINI
34. The process of transferring files from a computer on the internet to your computer is called _____
a.   Downloading
b. uploading
c. FTP
d. JPEG
e. downsizing
35. In Excel, allows users to bring together copies of workbooks those others users have worked on independently
a. Copying
b. merging
c. pasting
d. compiling e. none of these
36. If you want to connect to your own computer through the internet from another location, you can use _________
a. e-mail
b. FTP
c. instant message
d. Telnet
e. None of these
37. To reload a web page, press the _______ button
a. redo
b. reload
c. restore
d. ctrl
e. Refresh
38. Mobile commerce is best described as ______
a. the use of kioske in marketing
b. transporting products
c. buying and selling goods/services through wireless handled devices
d. using notebook PC’s in marketing
e. none of the above
39.video processor consist of   ____________ and ______________ which store and process images
a. CPU and VGA
b. CPU nd MEMORY
C. VGA and Memory
d.VGI and DVI
e. none of these
40.________________ are words that a programing language has set aside for its own use
a. control words
b. control structure
c. reserve words
d. reserved keys
e.none of these
41. What is the process of copying   software programs from secondary storage media to the hard disk is called?
A. Configuration
b. download
c. storage
d. upload
e. installation
42. This first step in the transaction processing cycle captures business data through various modes such as optical scanning or at an electronic commerce website _________
a. document and report generation
b. data base management’
c. transaction processing start-up
d. data entry
e. none of these
43. When the pointer is positioned on a _________ , it is shaped like a hand
a. grammar error
b. formatting error
c. screen tip
d. spelling error
e. hyperlink
44. The computer abbreviation KB usually means ___________
a. key block
b. kernel boot
c. key byte
d. kit bit
e. kilo byte
45. Which of the following are advantages of CD-ROM as a storage media?
a. CD-ROM is an expensive way to store large amount of data and information
b.CD-ROM disks retrieve data and information more quickly than magnetic disk can do
c.CD-ROM make less errors than magnetic media
d. all of the above
e. None of these
46.A(n) ________________ is a special visual and audio effect applied in power point to text or content
a. animation
b. flash
c. wipe
d. dissolve
e. none of these
47. which of the following is storage device that uses rigid, permanently installed magnetic disks to store data/information
a.Floppy diskette
b. hard disk
c. permanent disk
d. optical disk
e.none of these
48. the piece of hardware that converts your computer’s digital signal to an analog signal that can travel over telephone lines is called a ____________
a. red vire
b. blue cord
c. tower
d, modem
e. none of these
49.personal computer can be connected together to from a _________
a. server
b. super computer
c. network
d. enterprise
e.none of these
50.A______________ is the term used when a search engine returns a web page that matches the search criteria.
a. blog
b. hit
c. link
d. view
e. success

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Solved CURRENT AFFAIRS - IBPS Previous Papers -4

Q1. In Roman numerals, which letter represents one thousand ?
(A) L
(B) C
(C) M
(D) X

Q2.
Who was the only woman ruler of Delhi ?
(A) Chand Bibi
(B) Razia Sultan
(C) Rani Durgavati
(D) Rani Rudramma Devi

Q3.
How do we better know Oscar award winner lyricist Sampooran Singh Kalra, the writer of 'Jai Ho' song for film 'Slumdog Millionaire' ?
(A) Sameer
(B) Gulzar
(C) Javed Akhtar
(D) Prasoon Joshi

Q4.
Where did Lord Mahavira, the last of 24 tirthankars in Jain tradition, attain Nirvana ?
(A) Nanded (Maharashtra)
(B) Kolkata (W.Bengal)
(C) Kushinagar (U.P.)
(D) Pawapuri (Bihar)

Q5.
In 1904, which revolutionary founded Abhinav Bharat Society ?
(A) Veer Savarkar
(B) Bhagat Singh
(C) Chandrasekhar Azad
(D) Lala Hardayal

Q6.
In which city are the headquarters of International Olympic Committee (IOC) located ?
(A) Zurich (Switzerland)
(B) London (United Kingdom)
(C) Dubai (United Arab Emirates)
(D) Lausanne (Switzerland)

Q7.
In 1872, which Viceroy of India was assassinated at Port Blair in the Andaman Islands ?
(A) Lord Mayo
(B) Lord Curzon
(C) Lord Lytton
(D) Lord Irwin

Q8.
Greenland, the largest island in world, is the part of which country ?
(A) Canada
(B) Denmark
(C) Norway
(D) Iceland

Q9.
Who created the first cloned sheep Dolly ?
(A) Adam Osborne
(B) Charles Babbage
(C) Tim Burners-Lee
(D) Ian Wilmut

Q10.
Which pass, connecting Sri Lankan mainland with Jaffna peninsula. is referred as the 'Gateway to Jaffna' ?
(A) Khyber pass
(B) Nathu La pass
(C) Elephant pass
(D) Rohtang pass

Answers :

Q1.    (C) M
Q2.    (B) Razia Sultan
Q3.    (B) Gulzar
Q4.    (D) Pawapuri (Bihar)
Q5.    (A) Veer Savarkar
Q6.    (D) Lausanne (Switzerland)
Q7.    (A) Lord Mayo
Q8.    (B) Denmark
Q9.    (D) Ian Wilmut
Q10.   (C) Elephant pass

Solved CURRENT AFFAIRS - IBPS Previous Papers -3

Q1. After Sachin Tendulkar, who is the second cricketer to receive the Rajiv Gandhi Khel Ratna Award ?
(A) Saurav Ganguly
(B) Rahul Dravid
(C) Mahendra Singh Dhoni
(D) Anil Kumble

Q2.
Which city houses the headquarters of Central Railway ?
(A) Bhopal
(B) Nagpur
(C) Allahabad
(D) Mumbai

Q3.
Who was the first Indian Governor-General of independent India ?
(A) Lord Mountbatten
(B) C.Rajagopalachari
(C) Rajendra Prasad
(D) Jawaharlal Nehru

Q4.
'Bhogi', 'Surya', 'Mattu' and 'Kanum' are the parts of which four day long harvest festival of Tamilnadu ?
(A) Bihu
(B) Lohri
(C) Pongal
(D) Baisakhi

Q5.
Wheeler Island, the site of India's missile testing facility Integrated Test Range (ITR), is situated in which state ?
(A) Orissa
(B) Andhra Pradesh
(C) Tamilnadu
(D) Kerala

Q6.
To whom does the President of India address his resignation ?
(A) Chief Justice of India
(B) Prime Minister
(C) Lok Sabha Speaker
(D) Vice President

Q7.
Apart from Russia, the territory of which country lies in both Europe and Asia continents ?
(A) Turkey
(B) Greece
(C) France
(D) Germany

Q8.
In 1998, who became the first Indian ever to be awarded the Wharton School Dean's Medal ?
(A) J.R.D.Tata
(B) Dhirubhai Ambani
(C) N.R.Narayana Murthy
(D) Azim Premji

Q9.
Who is known as the 'Father of Medicine' ?
(A) Herodotus
(B) Hipparchus
(C) Hippocrates
(D) Wilhelm Wundt

Q10.
'Razmnama' is the Persian translation of which Indian epic ?
(A) Ramayana
(B) Mahabahrat
(C) Raghuvamsha
(D) Kumarsambhava

Answers :

Q1.    (C) Mahendra Singh Dhoni
Q2.    (D) Mumbai
Q3.    (B) C.Rajagopalachari
Q4.    (C) Pongal
Q5.    (A) Orissa
Q6.    (D) Vice President
Q7.    (A) Turkey
Q8.    (B) Dhirubhai Ambani
Q9.    (C) Hippocrates
Q10.   (B) Mahabahrat

Solved CURRENT AFFAIRS - IBPS Previous Papers -2

Q1. On 1st July 1997, where was India's first Science City inaugurated ?
(A) Mumbai
(B) Bengaluru
(C) Hyderabad
(D) Kolkata

Q2. What is the name of Morarji Desai's samadhi in Ahmedabad ?
(A) Raj Ghat
(B) Vijay Ghat
(C) Abhay Ghat
(D) Narayan Ghat

Q3. In 1829, which Governor-General prohibited the practice of 'Sati' ?
(A) Lord Auckland
(B) Lord Amherst
(C) Lord William Bentinck
(D) Lord Dalhousie

Q4. Who authored the book 'Indica' ?
(A) Fa Hian
(B) Megasthanese
(C) Al Beruni
(D) Huen Tsang

Q5.
Which is the oldest stock exchange in Asia ?
(A) Tokyo Stock Exchange
(B) Hong Kong Stock Exchange
(C) Shanghai Stock Exchange
(D) Bombay Stock Exchange

Q6.
Who is the chairman of the Atomic Energy Commission of India ?
(A) Mangala Rai
(B) Sam Pitroda
(C) Anil Kakodkar
(D) G.Madhavan Nair

Q7. By defeating Harshavardhana on the banks of river Narmada, which Chalukya ruler stopped him from expanding into south ?
(A) Pulkesin I
(B) Pulkesin II
(C) Vinayaditya
(D) Vijayaditya

Q8. In 1892, who became the first Indian to be elected to the House of Commons (lower house of British Parliament) ?
(A) Mahatma Gandhi
(B) Dadabhai Naoroji
(C) Tej Bahadur Sapru
(D) Gopal Krishna Gokhale

Q9. Which military training institute located at Khadakwasla near Pune in Maharashtra has adopted 'Seva Parmo Dharma' (Service before Self) as its motto ?
(A) National Defence Academy
(B) Indian Military Academy
(C) Defence Services Staff College
(D) Dundigul Air Force Academy

Q10.
Which city houses the headquarters of Asian Development Bank (ADB) ?
(A) Manila (Philippines)
(B) Bangkok (Thailand)
(C) Kualalampur (Malaysia)
(D) Seoul (South Korea)

Answers :

Q1.    (D) Kolkata
Q2.    (C) Abhay Ghat
Q3.    (C) Lord William Bentinck
Q4.    (B) Megasthanese
Q5.    (D) Bombay Stock Exchange
Q6.    (C) Anil Kakodkar
Q7.    (B) Pulkesin II
Q8.    (B) Dadabhai Naoroji
Q9.    (A) National Defence Academy
Q10. (A) Manila (Philippines)

IBPS Specialist Officer Marketing Solved Paper

1. Customisation is used for
(A) Distinguishing customer specific problems
(B) Advertisements
(C) Publicity
(D) Motivating the staff
(E) Customer Survey

2. Marketing channels mean
(A) Delivery Period
(B) Delivery Time
(C) Delivery Person
(D) Delivery Place
(E) Delivery Outlets

3. ‘Push’ marketing style requires
(A) Proper Planning
(B) Good pushing strength
(C) Team Work
(D) Ability to identify the products
(E) Aggressive Marketing

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4. Viral styles of marketing includes – Find the wrong answer
(A) Digital Marketing
(B) Tele-Marketing
(C) Sending bulk SMS
(D) e-mail solicitation
(E) Door to Door marketing

5. Service Marketing is the same as
(A) Internet Marketing
(B) Tele Marketing
(C) Internal Marketing
(D) Relationship marketing
(E) Indirect Marketing

6. A DSA means
(A) Direct Selling Agent
(B) Detective Service Agency
(C) Direct Supplying Agent
(D) Distribution and Sales Agency
(E) Dreadfully Superfast Agent

7. A DSA is required to be adept in
(A) Online Marketing
(B) Designing Products
(C) Sending e-mails
(D) Advertisements
(E) Communication skills

8. Indirect marketing is undertaken
(A) By way of advertisements
(B) By delivering speeches
(C) At bank counters
(D) By DSA
(E) By Cross-selling

9. Incentives are paid to sales persons
(A) For achieving targets
(B) For surpassing targets
(C) For identifying leads
(D) For designing products
(E) For talking

10. Buyer resistance can be overcome by
(A) Cordial relation between buyer and seller
(B) Good negotiation
(C) Good after sales service
(D) Persuasive communication
(E) TeleMarketing

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11. One of the following is not included in the 7 P’s of marketing. Find the same
(A) Placement
(B) Price
(C) Production
(D) Promotion
(E) Product

12. Analysis of marketing problems helps in
(A) Evaluating marketing opportunities
(B) Reducing marketing staff
(C) Reducing profits
(D) Good communication
(E) Motivation

13. Innovation in marketing is same as
(A) Motivation
(B) Perspiration
(C) Aspiration
(D) Creativity
(E) Team Work

14. Market segment is required for
(A) Professional Marketing
(B) OTC marketing
(C) Internal marketing
(D) Identifying sales persons
(E) Identifying prospects

15. Bank ATMs are
(A) Delivery outlets
(B) Market Plans
(C) Personalised Products
(D) Tools for overcoming buyer resistance
(E) Motivating tools

16. Internet Banking helps in
(A) Door to Door Canvasing
(B) Making more number of cold calls
(C) Easy access to customer transactions
(D) Market survey
(E) Market Research

17. Cross-Selling means
(A) Selling by a cross section of people
(B) Selling to HNIs
(C) Selling to a cross section of people
(D) Selling to NRIs
(E) Selling other products to existing customers

18. The USP of a current account is
(A) High Minimum balance
(B) No restriction in transactions
(C) No interest payable
(D) Restricted Deposits
(E) Easy credits

19. The USP of car loans is
(A) High Rate of interest
(B) Easy EMIs
(C) Lump-sum Loans
(D) Available only to doctors
(E) Available only to businessman

20. Leads for home loans can be obtained from
(A) Corporate societies
(B) Existing borrowers
(C) Builders
(D) Traders
(E) Trusts

21. Leads for industrial loans can be available from
(A) Reserve bank of India
(B) District Industries centre
(C) Colleges
(D) Export Houses
(E) Trade Centres

22. SME means
(A) Selling and marketing Establishment
(B) Selling and marketing employees
(C) Sales and Marketing entity
(D) Small and Medium Enterprises
(E) Small and Micro Entities

23. The target group of SME loans is
(A) All salaried persons
(B) Government undertakings
(C) All Entrepreneurs
(D) All students
(E) All housewives

24. Leads for tractor loans can be availed from
(A) Farm labourers
(B) Authorised dealers of tractors and farm equipment
(C) Bullock cart owners
(D) Marginal land owners
(E) RTA officers

25. Customisation results in
(A) Customer exodus
(B) Customer retention
(C) Customer complaints
(D) Training of staff
(E) Varying the interest rates

26. Find the correct sentence
(A) Higher the price, higher the sales
(B) More number of sales persons leads to more number of sales
(C) Mission statement is a part of market plan
(D) Better sales incentives means better performance
(E) All customers are profitable customers

27. Bancassurance can be sold to
(A) All banks
(B) All insurance companies
(C) Insurance agents
(D) All existing and prospective bank customers
(E) Stock brokers

28. The target group for bulk deposits is
(A) Salaried persons
(B) Small traders
(C) Corporate MNCs
(D) Housewives
(E) Minor children

29. Debit cards can be sold to
(A) Existing customers
(B) School children
(C) Trusts
(D) Hospitals
(E) Educational Institutions

30. Low EMI indicates
(A) High loan burden
(B) Long repayment period
(C) Cheap loans
(D) Costly loans
(E) Very short repayment periods

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31. EMI can be a marketing tool when
(A) EMI is very low
(B) EMI is very high
(C) EMI is fluctuating
(D) EMI is constant
(E) EMI is ballooning

32. Advertisements are necessary for
(A) Only old products
(B) Launching new products
(C) Only costly products
(D) Only obsolete products
(E) Advertisements are wasteful expenses

33. Publicity is required for
(A) Generating more number of leads
(B) Better training of sales persons
(C) Market survey
(D) Product designing
(E) OTC marketing

34. NAV is the price of
(A) Entire fund value
(B) One unit of a fund
(C) Surrender value
(D) Average value of shares
(E) Dividends paid in a year

35. A master policy in the case of life insurance indicates
(A) Policy is stale
(B) Policy is in the name of servant
(C) Only one life is assured
(D) There are several beneficiaries
(E) Life assured should be a male

36. Customer Database is useful for
(A) Advertisements
(B) Word of mouth publicity
(C) CRM functions
(D) PR functions
(E) Sales persons’ trainings

37. CRM (Customer Relationship Management) is
(A) A pre-sales activity
(B) A tool for lead generation
(C) An ongoing daily activity
(D) The task of a DSA
(E) Back office duty

38. Find the incorrect answer
(A) Cross selling is an inexpensive way of marketing
(B) Market segmentation can boost generations
(C) Customer Lifetime Value is a marketing tool
(D) Surrogate marketing is a type of viral marketing
(E) Internet banking can replace ATMs

39. Financial inclusion needs canvasing the accounts of
(A) Financial Institutions
(B) NRIs
(C) HNIs
(D) Housewives
(E) Persons below a specified income level

40. Effective retail banking proposes
(A) Large premises
(B) Huge kiosks
(C) Big sales force
(D) Coordination between marketing and front office staff
(E) More products

    Answers

1. (A) 2. (E)    3.(E)     4. (E)    5.(D)
6. (A)   7. (E)    8.(E)     9. (A)   10.(A)
11. (C)          12. (A)          13.(D) 14. (E)          15.(A)
16. (C)          17. (E)          18.(B) 19. (B)          20.(C)
21. (B)          22. (D)          23.(C) 24. (D)          25.(B)
26. (C)          27. (D)          28.(B) 29. (A)          30.(B)
31. (D)          32. (B)          33.(A) 34. (B)          35.(D)
36. (C)          37. (B)          38.(E) 39. (E)          40.(D)

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