RBI Executive Interns Model Paper

REASONING

1. How many such pairs of letters
are there in the word TRIBUNAL
each of which has as many letters
between them in the word as in
the English alphabet ?
(A) None (B) One
(C) Two (D) Three
(E) More than three
Answer.E
2. In a certain code DOWN is
written as ’5 @ 9 #’ and NAME is
written as ’# 6%3′. How is
MODE written in that code ?
(A) %653 (B) %@63
(C) %5@3 (D) %@53
(E) None of these
Answer.D
3. How many meaningful English
words can be formed with the
letters LGEU using each letter
only once in each word ?
(A) None (B) One
(C) Two (D) Three
(E) More than three
Answer.C
4. If ’R’ denotes ’—”, ’Q” denotes ’><’,
’W’ denotes ‘+’ and ‘A’ denotes
’+’, then-
4 2W7R8A6Q4:?
(A) » 22 (B) — 168
(C) 22 (D) 28
(E) None of these
Answer.C
Answer.
5 ln a certain code THRIVES is
written as SIUHRDU. How is
SOULFUL written in that code ?
(A) VPTKKTE
(B) VPTKETK
(C) TPVKKTE
(D) TNRKMVG
(E) None of these
Answer.A
6. The positions of how many digits
in the number 59164823 will
remain unchanged after the digits
are rearranged in descending
order within the number ?
(A) None (B) One
(C) Two (D) Three
(E) More than three
Answer.C
7. Mohan walked 30 metres towards
South, took a left turn and
walked 15 metres. He then took a
right turn and walked 20 metres.
He again took a right turn and
walked 15 metres, I-low far is he
from the starting point ?
(A) 95 metre
(B) 50 metre
(C) 70 metre
(D) Cannot be determined
(E) None of these
Answer.B
8. What should come next in the
following letter series ?
PQRSTABCDEPQRSAB
CDEPQRSABCDPQ
(A) R (B) T
(C) A (D) B
(E) None of these
Answer.A
9. In a certain code language, ’how
can you go”is written as ’ja da ka
pa’; ‘can you come here’ is
written as ’na ka sa ja” and ‘come
and go’ is written as ’ra pa sa’.
How is ’here’ written in that
code language ?
(A) ja
(B) na
(C) pa
(D) Data inadequate
(E) None of these
Answer.B
10, What should come next in the
following letter series based on
English alphabet ?
CEA, IKG, OQM, 7
(A) STW (B) WUS
(C) SWU (D) UWS
(E) None of these
.
Answer.D
Directioris—(Q. 11—15) ln each of
the questions below are given four
statements followed by four conclusions numbered I, II, lll and IV. 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 conclusions
logically follows from the given
statements disregarding commonly
known facts.
Il. Statements :
Some trains are cars.
All cars are branches.
All branches are nets.
Some nets are dresses.
Conclusions :
I. Some dresses are cars.
H. Some nets are trains.
HI. Some branches are trains.
IV. Some dresses are trains.
(A) Only I and III follow
(B) Only II and III follow
(C) Only I and IV follow
(D) Only II, III and IV follow
(E) None of these
Answer.B
12. Statements :
All papers are clips.
Some clips are boards.
Some boards are lanes.
All lanes are roads.
Conclusions :
I. Some roads are boards.
II. Some lanes are clips
III. Some boards are papers.
IV. Some roads are clips.
(A) Only I and II follow
(B) Only I and III follow
(C) Only I, II and III follow
(D) Only II, IH and IV follow
(E) None of these
Answer.E
I3. Statements :
Some pencils are kites.
Some kites are desks. {
All desks are jungles.
All jungles are mountains.
Conclusions :
I. Some mountains are pencils.
II. Some jungles are pencils.
IH. Some mountains are desks.
IV. Some jungles are kites.
(A) Only I and III follow
(B) Only I, H and III follow
(C) Only III and IV follow
(D) Only H, III and IV follow
(E) None of these
Answer.C
I4. Slzlzmznls :
All stones are hammers.
No hammer is ring.
Some rings are doors.
All doors are windows.
:
I. Some windows are stones.
II. Some windows are rings
Il]. No window is stone
IV. Some rings are stones.
(A) Onlyl follows
(B) Only H follows
(C) Only III follows
(D) Only either I or HI follows
(E) Only either I or III and II
Follow
Answer.E
15. Statements:
All pens are clocks.
Some clocks are tyres.
Some tyres are wheels.
Some wheels are buses.
Cnndusicns :
I. Some buses are tyres.
H. Some wheels are clocks.
IH. Some wheels are pens.
IV. Some buses are clocks.
(A) None follows
(B) Only I follows
(C) Only II follows
(D) Only IH follows
(E) Only IV follows
Answer.A
Directi0ns—(Q. 16-20) Study the
following information carefully and
answer the questions given below 1
A, B, C, D, E, F, G, H and K are
sitting around a circle facing the
centre. F is fourth to the right of A
who is third to the right of Bl K is
fourth to the left of B and third to the
right of D. C is third to the right of I-I.
E is second to the left of G.
16 Who is to the immediate right of
F ?
(A) B
(B) G
(C) E
(D) Data inadequate
(E) None of these
Answer.B
17. Who is third to the right of K ?
(A) F
(B) E
(C) G
(D) Data inadequate
(E) None of these
Answer.C
18. What is E’s position with respect
to B ?
(A) Second to the left
(B) Third to the right
(C) Fourth to the right
(D) Third to the left
(E) Fifth to the right
Answer.D
19. Who is fourth to the left of G
(A) C (B) A
(C) D (D) K
(E) Data inadequate
Answer.A
20. In which of the following combinations is the third person sitting
between the first and the second
persons ?
(A) GFB (B) BGH
(C) ADC (D) KEC
(E) EGF
Answer.E
Dire¢ii¤nL(Ql 21—25) In the
following questions, the symbols ES,
@, ©, % and *are used with the following meaning as illustrated below :
’P © Q’ means ’P is not smaller than
’P % Q’ means ’P is neither smaller
than nor equal to Q’
’P ir Q’means ’P is neither greater
than nor equal to Q’
’l” B Q’ means ’P is not greater than
’P @ Q’ means ’P is neither greater
than nor smaller than Q’
Now in each of the following
questions assuming the given state~
ments to be true, find which of the
three conclusions I, ll, III and IV
given below them is/ are definitely
true and give your answer accord-
ingly, I, I
21. :
D?T,T@R,R©M,M%K
:
I. R @ D
Il. R % D
III. K * T
IV. M ? T
(A) Only eitherl or II is true
(B) Only IH and IV are true
(C) Only either I or II and III are
true
(D) Only either I 0r II and IV are
true
(E) Only either I 0r II and III
and IV are true
Answer.E
22. ;I@F,F?N,N%H,H©G
:
I. G * N
II. N © J
III. F * J
IV. J ? G
(A) Onlyl and II are true
(B) Only I, H and HI are uue
(C) Only II, HI and l`V are true
(D) All I, II, III and IV are true
(E) None cf these
Answer.E
23, Statements :R*K,K%D,D@V,V?M
I. R * D
II. V * R
III. D @ M
IV. M % D
(A) None is true
(B) Only III is hue
(C) Only IV is true
(D) Only either III 0r IV is true
(E) Only either III or IV and I]
are hrue
Answer.D
24. B©T,T•*R,R%F,F@K
(bndminns :
I. B % R
II. F* T
IH. R % K
IV. K * T
(A) None is true
(B) Only I is true
(C) Only II is true
(D) Only III is true
(E) Only IV is true
Answer.D
25, :F%N,N©W,W?Y,Y*T
Cnndusiam :
I. F % W
H. T % N
III. N % Y
IV. T % W
(A) Only I and III are true
(B) Only I and IV are true
(C) Only II and III are true
(D) Only I, Hand IV are true
(E) None of these
Answer.B
Directions-(Q. 26-30) In mak-
ing decisions about important ques-
tions, it is desirable to be able to
distinguish between ’strong’ argu-
ments and ’weak’ arguments. ’Strong’
arguments are those which are both
important and directly related to the
question. ’Weak’ arguments are those
which are ot minor importance and
also may not be directly related to me
question or may be related to a trivial
aspect of the question.
Each question below is followed
by three arguments numbered (I), (II)
and (III). You have to decide which of
the arguments is a ’strong’ argument
and which is a ’weak’ argument.
26. Statement : Should there be
complete ban on setting up of
thermal power plants in India ?
Arguments:
I. Yes, this is the only way to
arrest further addition to
environmental pollution.
II. No, there is a huge shortage
of electricity in most parts of
the country and hence gene-
ration of electricity needs to
be augmented.
III. No, many developed coun-
tries continue to set up
thermal power plants in
their countries.
(A) None is strong
(B) Only I is strong
(C) Only II is strong
(D) Only III is strong
(E) Only either I or II is strong
Answer.C
27. Statement : Should road repair
work in big cities be carried out
only late at night ?
Arguments:
I. No, this way the work will
never get completed.
II. No, there will be unneces-
sary use of electricity.
HI. Yes, the commuters will face
lot of problems due to repair
work during the day.
(A) None is strong
(B) Only I is strong
(C) Only III is strong
(D) Only Hand lll are strong
(E) Only I and H are strong
Answer.D
28. Statement : Should all the
deemed universities be derecog-
nized and attached to any of the
central or state universities in
India ?
Arguments :
I. Yes, many of these deemed
universities do not conform
to the required standards ot
a full-fledged university and
hence the level of education
is compromised.
II. No, these deemed univer-
sities have been able to
introduce irmovative courses
suitable to the requirement
of various industries as they
are free from strict Govt.
controls.
Ill. Yes, many such universities
are basically money spin-
ning activites and education
takes a backseat in these
institutions.
(A) Only I and Hare strong
(B) Only II and III are strong
(C) Onlyl and III are strong
(D) All L II and III are strong
(E) None of these
Answer.B
29. Statement : Should there be a cap
on drawing groundwater for
irrigation purposes in India ?
Arguments:
I. No, irrigation is of prime
importance for food produc-
tion in India and it is heavily
dependent on groundwater
in many parts of the coun-
try.
Il. Yes, water tables have gone
down to alarmingly low
levels in some parts of the
country where irrigation is
primarily dependent on
groundwater, which may
lead to serious environ-
mental consequences.
IH. Yes, India just cannot afford
to draw groundwater any
further as the international
agencies have cautioned
India against it.
(A) Only I and II are strong
(B) Only II and III are strong
(C) Only I and III are strong
(D) All I, II and III are strong
(E) None of these
Answer.B
30. Statement : Should there be a
restriction on the construction of
high rise buildings in big cities in
India ?
Arguments:
I. No, big cities in India do not
have adequate open land
plots to accommodate the
growing population,
II. Yes, only the builders and
developers benefit from the
construction of high rise
buildings.
IH. Yes, the Govt. should first
provide adequate infrast—
ructural facilities to existing
buildings before allowing
the construction of new high
rise buildings,
(A) Only II is strong
(B) Only III is strong
(C) Only I and III are strong
(D) Only I is strong
(E) None of these
Answer.C
Directions—(Q. 31-35) In each
question below is given a statement
followed by three assumptions I, II
and III. An assumption is something
supposed or taken for granted. You
have to consider the statement and
the following assumptions and
decide which of the assumptions is
implicit in the statement.
31. Statement : The Govt. has
decided to auction construction
of highways to private entities in
several blocks across the country
on build—operate—transfer basis.
Which of the following assump—
tion(s) is/are implicit in the
above statement ?
I. An adequate number of
private entities may not res-
pond to the Governrrient’s
auction notification.
II. Many private entities in the
country are capable of cons-
tructing highways within
reasonable time.
III. The Govt/s proposal of
build-operate-transter may
financially benefit the
private entities.
(A) Only I and H are implicit
(B) Only II and III are implicit
(C) Only II is implicit
(D) Only I and III are implicit
(E) None of these
Answer.B
32. Statement z Govt. has urged all
the citizens to use electronic
media for carrying out their daily
activities, whenever possible,
instead of using paper as the
manufacture of paper requires
the cutting down of a large
number of trees causing severe
damage to the ecosystem.
Which of the following assump-
tion(s) is/are implicit in the
above statement ?
I. Most people may be capable
of using electronic media to
carry out various routines.
II. Most people may have
access to electronic media
for carrying out their daily
routine activites.
III. People at large may reject
the Govt/s appeal and
continue using paper as
before.
(A) Onlylis implicit
(B) Only II is implicit
(C) Only I and II are implicit
(D) Only III is implicit
(E) None of these
Answer.C
33. Statement : The apex body
controlling universities in the
country has decided to revise the
syllabus of all the technical
courses to make them focussed
towards the present needs of
the industry thereby making
the technical graduates more
employable than they are at
present.
I/Vhich of the following assump-
tion(s) is / are implicit in the
above statement ?
I. Technical colleges affiliated
to different universities may
not welcome the apex body’s
decision and may continue
with the same syllabus as at
present.
II. The industry may welcome
i the decision of the apex body
_ and scale up their hiring
from these colleges.
III. The Govt. may not allow the
apex body to implement its
decision in all the colleges as
it may lead to chaos.
(A) None is implicit
(B) Onlylis implicit
(C) Only II is implicit
(D) Only III is implicit
(E) Only I and II are implicit
Answer.C
34. Statement 1 Police authority
cordoned oft the entire locality
for the entire day and stopped all
vehicular movement for the visit
of a top functionary of the
government in view of the threat
perception and advised all die
residents in the area to limit their
movement outside their dwel-
lings,
Which of the following assump-
tion(s) is/are implicit in the
above statement 7
I, Police personnel may not be
able to control the vehicular
movement in the locality
and may seek help from the
umed forces.
II, People living in the locality
may move out of their
houses for the day to avoid
inconvenience.
III.- The Govt. functionary may
request the police authority
to lift the ban on movement
of residents of the locality
outside their dwellings,
(A) None is implicit
(B) Only l is implicit
(C) Only II is implicit
(D) Only III is implicit
(E) Only II and III are implicit
Answer.C
35. Statement : The airlines have
requested all their bonafide
passengers to check the status of
flight operations before leaving
their homes as heavy fog is
causing immense problems to
normal flight operations.
Which of the following assump-
tion(s) is/are implicit in the
above statement ?
I. The majority of the air
passengers may check the
flight status before starting
their journey to the airport.
H. The Govt. may take serious
objection to the notice issued
by the airline company.
HI. Majority of the passengers
may cancel their tickets and
postpone their journey till
the situation becomes
normal.
(A) None is implicit
(B) Onlylis implicit
(C) Only H is implicit
(D) Only III is implicit
(E) Only I and HI are implicit
Answer.E
Directi0ns—(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. Give
answers-
(A) if the inference is ’definitely
true’, {,2., it properly follows
from the statement of facts
given.
(B) if the inference is ’probably
true’ though not ’definitely
true’ in the light of the facts
given.
(C) If the ’data are inadequate’,
i,e., from the facts given you
cannot say whether the
inference is likely to be true
or false.
(D) lf the inference is ’probably
false’, though not ’definltely
false’ in the light of the facts
given.
(E) If the inference is ’definitely
false’, i.e., it cannot possibly
be drawn from the facts
given or it contradicts the
given facts.
The deterioration in the overall
asset quality of banl
Performing Assets (NPAS) are
reportedly 27% higher at the end of
December 2009 than at the end of
December 2008-is not surprising.
Any slowdown in growth is bound to
trigger a rise in NPAs as more and
more companies default on loan
repayments. The effect would be
pronounced when the slowdown
coincides with a severe global
recession. But for the restructuring of
loans permitted by the Central Bank
on fairly generous terms, NPAS
would have been still higher. Prudent
banks that took care while sanction-
ing loans and then monitored the
post-sanction disbursement diligently
should be able to weather the crisis.
But it is one thing to have NPAs rise
because of a cyclical downturn, it is
quite another to have NPAs would
have been still higher. Prudent banks
that took care while sanctioning loans
and then monitored the post-sanction
disbursement diligently should be
able to weather the crisis. But it is one
thing to have NPAs rise because of
policy errors that are entirely within
the realm of policymakers. And this
is what we need to guard against.
Excessively low interest rates skew
the risk—reward equation by making
projects that are actually not viable,
appear viableftill interest rates
reverse and the same projects cease to
be viable E lt is now well established
that long periods of unduly low
interest rates encourage banks to take
more risks. A low interest rate regime
driven by an easy money policy
rather than macroeconomic funda-
mentals leads to excessive expansion
of credit. It incentivizes banks to take
on more risk in search of higher
returns and to misprice risk.
36. Low interest rate on credit
reduces the capacity to absorb
various unaccounted risk factors.
Answer.C
37. Bank’s Nl’As occur only due to
economic factors.
Answer.B
38. The Central Bank always allows
banks to restructure their loans
in the event of rise in NPAs.
Answer.A
39. Lower interest rate cycle projects
commercially unviable projects
as viable.
Answer.A
40. Higher NPAs indicate shortcom-
ings in disbursement and follow-
up of credit given by banks.
Directions ’(Q. 41-45) Study the
following information carefully and
answer the questions given below :
Following are the condiuons for
selecting Senior Manager-General
Banking in a bank ;
The Camdidtate must ;.
(i) have secured at least 60 per
cent marks in Std. XH.
(ii) have secured at least 55 per
cent marks in Graduation in
any discipline.
(iii) have secured at least 60 per
cent marks in post-graduate
degree / diploma in Manage•
ment / Economics / Statistics.
(iv) be at least 25 years and not
be more than 35 years as on
1.3.2010.
(v) have post qualification work
experience of at least 2 years
as General Banking Officer
in a bank.
(vi) have secured at least 50 per
cent marks in written exami—
nation.
(vii) have secured at least 40 per
cent marks in Personal
Interview.
ln the case of a candidate who
satisfies all the above conditions
except-
(a) at (iii) above, but has secured
at least 60 per cent marks in
CA or ICWA, the case is to
be referred to VP»Recruit-
ment.
(b) at (vii) above, but have
secured at least 65 per cent
marks in the written exami-
nation and at least 35 per
cent marks in the personal
interview, the case is to be
referred to President-Recruit
ment.
In each question below are given
details of one candidate. You have to
take one of the following courses of
actions based on the information
provided and the conditions and sub-
conditions given above and mark the
number of that course of action as
your answer, You are not to assume
anything other than the information
provided in each question. All these
cases are given to you as on 1.3.2010.
Mark answers-
(A) If the data provided are
inadequate to take a decision.
(B) lf the case is to be referred to
VP-Recruitment,
(C) If the case is to be referred to
President•Recruitment.
(D) If the candidate is to be
selected
(E) If the candidate is not to be
selected.
Answer.D
41. Shoan Majhi has secured 65 per
cent marks in B.Sc. and 70 per
cent marks in M.Sc. Statistics. He
has been working in a bank as
generalist officer for the past
three years after completing his
post-graduation. He has secured
55 per cent marks in the written
examination and 50 per cent
marks in the personal interview.
He was born on 8th ]uly 1982.
Answer.A
42. Neeta ]aiswal was born on 2nd
]u.ne 1980. She has been working
in a bank as generalist officer
for the past three years after
completing her post-graduate
degree in Economics with 60 per
cent marks. She has secured 68
per cent marks in HSC and 58
per cent marks in B.Com. She has
also secured 50 per cent marks in
both the wirtten examination and
personal interview.
Answer.D
43. Arindam Ghosh has been work-
ing in a bank as generalist officer
for the past four years after
completing his post~graduate
diploma in management with 60
per cent marks. He has secured
50 per cent marks in the written
examination and 40 per cent
marks in the personal interview.
He has also secured 70 per cent
marks in Std. XII. He was born
on 25th February, 1975.
Answer.E
44. Kesav Vora was born on 8th
November 1978. He has secured
65 per cent marks in Std. XII and
60 per cent marks in graduation.
He has secured 58 per cent marks
in M.A. Economics and 60 per
cent marks in ICWA. He has
been working in a bank as
generalist officer for the past two
years after completing his
education. He has also secured
50 per cent marks in the written
examination and 45 per cent
marks in personal interview.
Answer.B
45. Neha Salve has been working in
a bank as generalist officer for
the past four years after complet-
ing her postgraduate degree in
Economics with 60 per cent
marks. She has secured 60 per
cent marks in both graduation
and Std. XII. She was born on
24th August, 1979. She has
secured 70 per cent marks in the
written examination and 38 per
cent marks in the personal inter-
view..1
Answer.C