U /U

U U
U U U

Institute of Banking Personnel Selection

COMMON WRITTEN EXAMINATION [CWE] FOR
RECRUITMENT OF PROBATIONARY OFFICERS/ MANAGEMENT
TRAINEES IN PARTICIPATING ORGANISATIONS

U U /U U U U U U
U U
U m

U U UU
U U UU mU C-21 & C-22, UU-z~, U-wvxv

SU
` w|z/ISBN : 978-93-85041-92-1
z

S U U U U U U
, , U U U

U U U U U
M U , UU, , UZU
SU, U, , U U U

U UU U
U

vkbZ-ch-ih-,l- (PO/MT)
izkjfEHkd ijh{kk

fo"k; lwph


vkbZchih,l (ih-vks-@,e-Vh-) izkjfEHkd ijh{kk] gy iz'u&i=&2015 ............ i-xx

rdZ'kfDr ijh{k.k ---------------------------------------------------- 5-257

 vaxzsth o.kZekyk ijh{k.k

6-21

 xf.krh; laf;k,

141-151

 k`[
a kyk

22-32

 yqIr la[;k Kkr djuk

152-160

 lkn`';rk

33-51

 igsyh ijh{k.k

161-170

 oxhZdj.k

52-59

 vkdM+kas dh i;kZIrrk

171-186

 ladr
s crk

60-84

 U;k; fuxeu

187-210

 e O;ofLFkdj.k

85-90

 dFku ,oa fu"d"kZ

211-217

 xf.krh; dFku ,oa fu"d"kZ

218-230

 cSBd&O;ofLFkdj.k

91-100

 fn'kk vkSj nwjh

101-114

 dFku ,oa iwoZ/kkj.kk,

231-239

 jDr lEcU/k

115-124

 dFku ,oa dk;Zokfg;k

240-246

 vad ,oa oxZ ka`[kyk

125-131

 fuos'k rFkk fuxZe

247-257

 dsyU
S Mj

132-140

xf.kr ----------------------------------------------------------------- 258-436

 vklUu eku
 la[;k ifr
 lk/kkj.k ,oa n'keyo fHkUu
 y?kqke lekioR;Z rFkk egke

259-263

lekiorZd
264-271  oxZ rFkk oxZey
w
272-279  ?ku o ?kuewy
 ?kkrkad ,oa dj.kh

280-286
287-293
294-297
298-304

 ljyhdj.k

305-311

 nwjh] le; ,oa pky

369-377

 vkSlr

312-318

 lk/kkj.k C;kt

378-384

 izfr'krrk

319-325

 po`f C;kt

385-392

 ykHk ,oa gkfu

326-335

 vk;q ij vk/kkfjr iz'u

393-398

 cV~Vk

336-342

 {ks=Qy ,oa ifjeki

399-408

 vuqikr vkSj lekuqikr

343-350

 vk;ru ,oa i`"Bh; {ks=Qy

409-419

 lk>snkjh

351-355

 ep; ,oa lap;

420-424

 dk;Z] le; ,oa etnwjh

356-368

 leadksa dk fo'ys"k.k

425-436

vaxzsth ---------------------------------------------------------------- 437-540

 Spotting Errors
438-464
 Phrase Substitution
465-477
 Sentence Arrangement or
Jumbled Up Sentences
478-489
 Cloze Test
490-499
 Choosing the
Appropriate Word
500-506

 Double Blanks in a
Sentences
 Choosing the
Appropriate Filler
 Synonyms and Antonyms
 Spelling Check
 Comprehension

507-511
512-515
516-528
529-531
532-540

vkbZ-ch-ih-,l- cSad ih-vks-@,eVh (lhMCY;wbZ) ijh{kk

vej mtkyk ifCyds'kUl

vkbZ-ch-ih-,l- cSd
a ih-vks-@,eVh (lhMCY;wb)Z ijh{kk

gy iz'u&i=&2015
(Le`fr ij vk/kkfjr)

ENGLISH LANGUAGE

4. The singer, who has been very ........... about

his faith in the party, also ............. at the grand
event.

Directions (Qs. 1 to 5): Each sentence below

has two blanks, each blank indicating that
something has been omitted. Choose the words that
best fit the meaning of the sentence as a whole.

(A)vocal, performed
(B)strong, sang
(C)open, dance

1. The proposal has been ............. and will be

sent to the cabinet for final ................. .

(D)loud, came
(E) creative, present

(A) designed, process

5. Over the years, the town has ..............

popularity as the best ............... for paragliding
and pilot from across the world visit it.

(B) drafted, approval

(C) amend, sanction
(D) said, objection

(A) acquired, spot

(E) mentioned, figure

(B) claim, one

2. The fake diesel factory was being ...............

under the ................. of a dairy.

(C) gained, destination

(D) sought, wonder

(A)operated, operation

(E) sent, place

(B)captured, array

Directions (Qs. 6-10): In the following

questions, 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. Mark the part
with the error as your answer. Ignore the errors of
punctuation, if any.

(C)functioned, alias
(D)run, garb
(E) activated, control
3. The moment, the staff opened the office,
unidentified .............., ............. weapons entered
and asked the cashier to hand over the keys
to the vault.

6. Many citizens are gravitating (A)/ towards

the nations (B)/ second-largest State because
it offer (C)/ ample job opportunities. (D)/ No
error (E)

(A) miscreants, brandishing

(B) object, carrying

7. Most African nations were largely (A)/

shielded from the 2008 financial crisis (B)/
by Chinas insatiable demand (C)/ for natural
resources. (D)/ No error (E)

(C) persons, had

(D) people, associating
(E) man, lifting
i

vej mtkyk ifCyds'kUl

vkbZ-ch-ih-,l- cSad ih-vks-@,eVh (lhMCY;wbZ) ijh{kk

Although, non-performing loans have edged
up slowly, the increase in special-mention loans (a
category that includes those overdue but not yet
classified as impaired loans) has been much bigger.
Special-mention loans are about 2% at most of
Chinas big listed banks, suggesting that such loans
must be much higher at their smaller, unlisted peers.
Many of these loans are simple bad debts which
banks have not yet admitted to. Another troubling
fact is that fifteen years ago, the government created
asset-management companies (often referred to as
bad-banks) to take on the non-performing loans of
the lenders. After the initial transfer these companies
had little to pay. But, last year, Cinda, the biggest
of the bad banks, bought nearly 150 billion Yuan
($24 billion) of distressed assets last year, two-thirds
more than in 2013. These assets would have raised
the banks bad-loans ratio by a few tenths of a
percentage point. Although such numbers do not
seem very alarming, experts who reviewed last years
results for 158 banks, of which only 20 are listed,
found that shadow loans, loans recorded as
investments which may be a disguise for bad loans
have grown to as much as 5.7 billion Yuan, or 5%
of the industrys assets. These are heavily
concentrated on the balance sheets of smallerunlisted banks, and at the very least, all this points
to a need for recapitalization of small banks.

8. Skeptics worries that the devaluation (A)/ of

the countrys currency is (B)/ a desperate move
to (C)/ bail out struggling exporters. (D) No
error (E)
9. Consumers are constantly been (A)/
encouraged to take (B)/ advantage of the (C)/
lowered
interest
rates. (D)/ No error (E)
10. Emerging economies are (A)/ dominating the
news (B)/ but for (C)/ all the wrong reasons.
(D)/ No error (E)
Directions (Qs. 11-20): In the following
questions, read the following passage carefully and
answer the questions given below it. Certain words/
phrases are given in bold to help you locate them
while answering some of the questions.
Over the past few days alone, the Chinas central
bank has pumped extra cash into the financial
system and cut interest rates. The aim is to free
more cash for banks to lend and provide boost for
banks seeking to improve the return on their assets.
The official data, though, suggested that bad loans
make up only 1.4% of their balance sheets. How to
explain the discrepancy? One possible answer is
that bad loans are a tagging indicator, i.e. it is only
after the economy has struggled for a while that
borrowers began to suffer. Looked at this way, China
is trying to anticipate problems, keeping its banks
in good health by susteining economic growth of
nearly 7% year on year. Another more worrying
possibility is that bad loans are worse than official
data indicate. This does not look to be the cause for
Chinas biggest banks, which are managed
conservatively and largely focus on the countrys
biggest value and quality borrowers. But there is
mounting evidence that when it comes to smaller
banks, especially those yet to list on the stock
market, bad loans piling up. That is important
because unlisted lenders account for just over a
third of the Chinese banking sector, making them
as big as Japans entire banking industry.

11. Choose the word which is most nearly the

same in meaning as the word TAGGING
given in bold as used in the passage.
(A) delayed
(B) breaking
(C) stopping
(D) protecting
(E) tying
12. Choose the word which is opposite in meaning
to the word FREE given in bold as used in
the passage.
(A) expensive
(B) secret
ii

vkbZ-ch-ih-,l- cSad ih-vks-@,eVh (lhMCY;wbZ) ijh{kk

vej mtkyk ifCyds'kUl

(B) Approximately 32% of Chinas banking
sector is unlisted.

(C) complimentary
(D) restrict

(C) Chinas stock market has plummeted in

recent times.

(E) charged
13. According to the passage, which of the
following can be said about Chinas large
banks?

(D) Japans banking industry is experiencing

a boom unlike that of China.
(E) None of the given option is true in the
context of the passage.

(a) These are cautiously run

(b) Their clients are mainly high-value

17. What does the example of Cinda convey?

(c) 2 percent of their loans have been

classified as overdue but not impaired

(A) Many of the loans given by Chinas banks

are in trouble.

(A) only (b)

(B) Many such large Chinese asset

management companies are failing.

(B) only (a)

(C) all (a), (b) and (c)

(C) Chinas economy is overly dependent on

large banks.

(D) only (a) and (c)

(D) China is the ideal destination for small

banks to flourish.

(E) only (b) and (c)

14. Which of the following is the central idea of
the passage?

(E) Such companies have become obsolete.

18. Choose the word which is opposite in meaning
to the word MOUNTING given in bold as
used in the passage.

(A) small banks should be permitted to

become listed on the stock exchange.
(B) The government should do away with
asset management companies.

(A) melting
(B) accumulating

(C) Chinas financial crisis is not as serious

as it is being made out to be.

(C) removing
(D) submerging

(D) Chinas central bank has failed to predict

and stop the decline of its banks.

(E) decreasing

(E) There is trouble brewing in Chinas small

unlisted banks.

19. Which of the following best describes experts

findings regarding shadow loans?

15. Choose the word which is most nearly the

same in meaning to the word POINTS given
in bold as used in the passage.

(A) Shadow loans have been steadily falling

and are negligible at present.

(A) peaks

(B) moments

(C) arguments

(D) indicates

(B) These are growing substantially and

indicate the need for reform of small
banks.
(C) Shadow loans are unfairly being passed
on to asset management companies.

(E) plugs
16. Which of the following is true in the context
of the passage?

(D) These loans are inconsequential for the

health of banks.

(A) China has not implemented any resources

to help its banking sector in recent times.

(E) The findings are faulty as if only

includes few listed banks.
iii

vej mtkyk ifCyds'kUl

vkbZ-ch-ih-,l- cSad ih-vks-@,eVh (lhMCY;wbZ) ijh{kk

21. Which of the following should be the
SECOND sentence after rearrangement?

20. What is the authors view regarding small

banks?
(A) These have a better loan portfolio than
large banks.

(A) 1

(B) 2

(C) 6

(D) 4

(B) These are in good health helping to

sustain economic growth of 7 percent.

(E) 5
22. Which of the following should be the FIRST
sentence after rearrangement?

(C) These should be merged with large banks

to bail them out of trouble.
(D) Regulations governing these banks
should be relaxed.

(A) 1

(B) 3

(C) 2

(D) 6

(E) 5

(E) Other than those given as options

23. Which of the following should be the SIXTH

(last) sentence after rearrangement?

Directions (Qs. 21-25): Rearrange the given

six sentences/ group of sentences 1, 2, 3, 4, 5 and
6 in a proper sequence as to form a meaningful
paragraph and then answer the given questions.

(A) 5

(B) 4

(C) 1

(D) 2

(E) 6

1. Global investors are quaking over the

prospect of a devastating stump in the
worlds second biggest economy.

24. Which of the following should be the FIFTH

sentence after rearrangement?

2. A possible answer could be that the

countrys troubles raise doubts about
whether its policy-makers have the tools
to keep their economy growing at a
healthy place something that has been a
constant reassurance for more than two
decades.

(A) 1

(B) 4

(C) 5

(D) 6

(E) 3
25. Which of the following should be the
FOURTH sentence after rearrangement?

3. And they are fast losing confidence that

the countrys policy-makers, seemingly so
sure-footed in the past, know how to solve
the problem.

(A)1

(B)2

(C)3

(D)6

(E) 4
Directions (Qs. 26-30): In the following
passage, there are blanks, each of which has been
numbered. Against each blank, five words are
suggested,
one
of
which
fits
the
blank appropriately. Find out the appropriate word
in each case.

4. However, such a domino effect is

significant but hardly catastrophic, so why
the hysteria?
5. China is exporting something new to the
world economy fear.

Primary school enrolment in India has been a

success story. (26) due to various programmes and
drives to increase enrolment even in remote areas.
With enrolment reaching at least 96 percent since
2009, and girls (27) up 56 percent of new students
between 2007 and 2013, it is clear that many (28)
of access to schooling have been (29). Improvement

6. Apart from the shrinking confidence, the

biggest fear is that a collapsing Chinese
economy would derail others around the
world from emerging markets in Chile
and Indonesia to industrial powers such
as the United States.
iv

vkbZ-ch-ih-,l- cSad ih-vks-@,eVh (lhMCY;wbZ) ijh{kk

vej mtkyk ifCyds'kUl

in infrastructure has been the (30) behind achieving

this and now in India 98 per cent habitations have
a primary school within one kilometre and 92
percent have an upper primary school within a three
kilometre walking distance.
26. (A) most

uksV % lkj.kh esa

izR;kf'k;ksa
lwpuk ds
x;s iz'uksa
31.

(B) properly

(C) totally

(D) optionally

(E) largely
27. (A) coming

(B) reaching

(C) counting

(D) making

(E) touching
28. (A) issue

(B) pportunities

(C) problems

(D) efforts
32.

(C) met

(B) addressed
(D) forwarded

(E) dissolved
30. (A) main

(B) forced

(C) force

(D) compulsion

(E) awareness

la[;kRed ;ksX;rk

Hkkx ysus

(C) 570

(D) 690

o"kZ 2006 ls 2007 esa jkT; Q ls Hkkx ysus okys

izR;kf'k;ksa dh la[;k 100% c<+ xbZA ;fn jkT; Q
ls o"kZ 2006 rFkk 2007 esa dqy pqus x;s izR;kf'k;ksa
dh la[;k 408 gS rks] jkT; Q ls 2006 esa Hkkx ysus
okys izR;kf'k;ksa dh la[;k fdruh gS\
(A) 380

(B) 360

(C) 340

(D) 320

jkT; ls o"kZ 2006 rFkk 2007 ds chp pqus x;s

izR;kf'k;ksa dk vUrj fdruk gS\

Hkkx ysus

(A) 12

(B) 22

(C) 14

(D) 24

(E) 16
34.

jkT; Q
pqus x;s

(B) 510

33. P

fn, x, vkdM+s] 5 o"kks ds nkSjku 2 jkT;ksa ds izfr;ksxh ijh{kk

esa Hkkx ysus okys rFkk pqus x;s izR;kf'k;ksa dh la[;k ls
lacafkr gSa %
jkT; P

(A) 630

(E) 300

funsZ'k (iz-la- 31-35) : lkj.kh dk lko/kkuhiwoZd

v;;u dhft, rFkk fn;s x;s iz'uksa ds mkj nhft,A

o"kZ

o"kZ 2008 esa P jkT; ls pqus x;s iq:"k rFkk efgyk

izR;kf'k;ksa dk vuqikr 11 : 7 gSA ;fn P jkT; ls
2008 o"kZ esa pquh xbZ efgyk izR;kf'k;ksa dh la[;k
126 gS rks] o"kZ 2008 esa P jkT; ls iq:"k rFkk
efgyk nksuksa Hkkx ysus okys izR;kf'k;ksa dh la[;k
fdruh gS\

(E) 540

(E) exertions
29. (A) accustomed

dqN eku yqIr gSa ftUgsa ^* ls n'kkZ;k x;k gSA

ls vis{kk dh tkrh gS fd fn;s x;s vkadM+ksa rFkk
vk/kkj ij yqIr la[;k dk eku Kkr djsa ;fn fn;s
dk mkj nsus gsrq vko';d gksA

pqus x;s

;fn Q jkT; ls o"kZ 2008, 2009 rFkk 2010 esa pqus

x;s izR;kf'k;ksa dh vkSlr la[;k 210 gS rks] jkT; Q
ls 2010 esa pqus x;s izR;kf'k;ksa dh la[;k fdruh gS\

okys izR;kf'k;ksa izR;kf'k;ksa dk okys izR;kf'k;ksa izR;kf'k;ksa dk

dh la[;k

izfr'kr

dh la[;k

izfr'kr

2006

450

60%

30%

2007

600

43%

45%

2008

60%

280

60%

2009

480

70%

550

50%

2010

380

400

(A) 191

(B) 195

(C) 183

(D) 187

(E) 179
35.

jkT; P ls o"kZ 2009 rFkk 2010 esa pqus x;s izR;kf'k;ksa

dh la[;k dk vuqikr 14 : 9 gS rks] P jkT; ls
2010 esa pqus x;s izR;kf'k;ksa dh la[;k fdruh gS\

vej mtkyk ifCyds'kUl

vkbZ-ch-ih-,l- cSad ih-vks-@,eVh (lhMCY;wbZ) ijh{kk

(A) 252

(B) 207

(C) 216

(D) 234

38. 820.15 + 2379.85 + 140.01 4.99 = ?

(A) 4400

(E) 198

(B) 3900

funsZ'k (iz-la- 36-40): fuEufyf[kr iz'uksa esa iz'u

fpUg ds LFkku ij lfUudV eku D;k gksxk\ vkidks
;FkkFkZ eku nsus dh t:jr ugha gS

(C) 3000
(D) 4000
(E) 4300
39. 39.97% of 649.8 13.05 = 45.12 ?

575 ? 14.982 = 450

36.

(A) 15

(B) 10

(A) 40

(B) 15

(C) 7

(D) 4

(C) 25

(D) 10

(E) 30

(E) 12
37. 30.012 19.982 ? = 21.812.

40. (674.87 + 59.98) 35.02 = ?

(A) 49

(B) 50

(A) 29

(B) 27

(C) 30

(D) 39

(C) 19

(D) 21

(E) 16

(E) 11

funsZ'k (iz-la- 41-45) : xzkQ dks lko/kkuh iwoZd ns[krs gq, fn;s x;s iz'uksa dk mkj nhft,A
6

fofHkUu fnuksa esa Vsu A rFkk Vsu B }kjk nsgjknwu ls vYeksM+k rd ;k=kk djus okys ;kf=k;ksa dh la[;k

;kf=;ksa dh la[;k

400
300
200
100
0

41.

'kfuokj

jfookj

lkseokj

eaxyokj

cq/kokj

xq:okj

Vsu

350

270

240

210

140

230

Vsu

320

310

200

170

120

200

'kqokj dks Vsu B }kjk ;k=kk fd;s x;s ;kf=k;ksa dh

la[;k] mlh Vsu ls xq:okj dks ;k=kk fd;s x;s ;kf=k;ksa
dh la[;k ls 20% T;knk gSA mlh Vsu }kjk 'kqokj
rFkk 'kfuokj dks ;k=kk djus okys ;kf=k;ksa dh la[;k
dk vuqikr fdruk gS\

(A) 4 : 5

(B) 3 : 4

(C) 5 : 6

(D) 3 : 5

(E) 1 : 4
42.

vi

Vsu B ls lkseokj rFkk eaxyokj dks rFkk Vsu A ls

'kfuokj rFkk jfookj dks ;k=kk djus okys dqy ;kf=k;ksa
dh la[;k dk vUrj fdruk gS\