IBPS Clerk Preliminary exam- English Test-3

Time Limit-15 Mins

Directions (1-10): In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fills the blanks appropriately. Find out the appropriate word in each case.

One of the most brutal features of gender inequality takes the form of physical violence against women.The (1) of such violence is remarkably high, not in poorer and less developed economies but also in wealthy and modern societies. Indeed the (2) of battering women even in the richest and most developed economies is (3) high. Turing to India, it must be (4) first that the frequency of assaults on women is high in the country. To that (5) general recognition has to be added the special role of violence connected with particular (6) features, such as dowry and economic settlements. Even though the numbers involved with in violent deaths are (7) by the larger numbers that (8) from (9) of healthcare, the crude and brutal nature of this from gender inequality makes it a particularly severe (10) of the deprivation of women.

1.(a) expectations
(b) counting
(c) incidence
(d) acceptance
(e) responses

2.(a) frequency
(b) occurrence
(c) event
(d) chance
(e) blocking

3.(a) relatively
(b) clearly
(c) surely
(d) undoubtedly
(e) astonishingly

4.(a) accomplished
(b) acknowledged
(c) cleared
(d) understand
(e) assured

5.(a) anxiety
(b) terrible
(c) surprise
(d) power
(e) form

6.(a) national
(b) visible
(c) social
(d) category
(e) personal

7.(a) fewer
(b) outshine
(c) lean
(d) dwarfed
(e) horrible

8.(a) perish
(b) develop
(c) spoil
(d) incline
(e) direct

9.(a) omission
(b) attention
(c) care
(d) effort
(e) neglect

10.(a) remark
(b) indication
(c) happening
(d) manifestation
(e) rise

Directions (11-15): Which of the phrase (a), (b), (c), (d) given below each sentence should replace the phrase printed in bold type to make the sentence grammatically correct? If the sentence is correct mark (e) i.e. No correction required as the answer.

11. Long ago, there had no such thing as money and people exchanged the things that they wanted.
(a) was no such thing
(b) have not such things
(c) had been not things like
(d) was no such things
(e) No correction required.

12. While playing cricket, I sprained my foot.
(a) Since playing
(b) Despite played
(c) From playing
(d) When played
(e) No correction required.

13. Mohanlal looking over himself into the mirror of the waiting room at the railway station.
(a) was looked at himself in
(b) looked into himself from
(c) looked at himself in
(d) looks at oneself in
(e) No correction required.

14. The chilly wind hits me the over the face and the rain pounded me.
(a) hit me on face
(b) hit me in the face
(c) has hit me in the face
(d) hit me into my face
(e) No correction required

15. I shall make you realize your mistake.
(a) make you to realize
(b) make you in realizing
(c) made you realize
(d) make you realized
(e) No correction required.

Directions (16-20): Rearrange the following sentence (A), (B), (C), (D), (E) and (F) to make a meaningful paragraph and then answer the question which follow

(A) Later, I learned that the sanitation working group helps clean the park.
(B) At the media centre, a team updates the website and maintains the movement’s online presence.
(C) Networks of mutuality had already developed, ensuring the occupation’s viability.
(D) I passed by a food table offering free pizza, bread, and fruit and a medical station with volunteers.
(E) the space also includes a performance area and a makeshift library.
(F) and has developed a system to treat and recycle wastewater.

16. Which of the following sentences should be the THIRD after rearrangement?
(1) E
(2) B
(3) C
(4) A
(5) F

17. Which of the following sentences should be the FIRST after rearrangement?
(1) A
(2) B
(3) E
(4) D

18. Which of the following sentences should be the SECOND after rearrangement?
(1) A
(2) B
(3) E
(4) D
(5) F

19. Which of the following sentences should be the SIXTH (LAST) after rearrangement?
(1) A
(2) E
(3) D
(4) B
(5) F

20. Which of the following sentences should be the FIFTH after rearrangement?
(1) B
(2) A
(3) C
(4) E
(5) F

Directions (21-30): Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.

Financial Inclusion (FI) is an emerging priority for banks that have nowhere else to go to achieve business growth. The viability of FI business is under question, because while banks and their delivery partners continue to make investments, they haven't seen commensurate returns. In markets like India, most programmes are focused on customer on-boarding, an expensive process which people often find difficult to afford, involving issuance of smart cards to the customers. However, large-scale customer acquisition hasn't translated into large-scale business, with many accounts lying dormant and therefore yielding no return on the bank's investment. For the same reason, Business Correspondent Agents, who constitute the primary channel for financial inclusion, are unable to pursue their activity as a full-time job. One major reason for this state of events is that the customer on-boarding process is often delayed after the submission of documents (required to validate the details of the concerned applicant) by the applicant and might take as long as two weeks. By this time the initial enthusiasm of applicants fades away. Moreover, the delivery partners don't have the knowledge and skill to propose anything other than the most basic financial products to the customer and hence do not serve their banks"' goal of expanding the offering in unbanked markets.

Contrary to popular perception, the inclusion segment is not a singular impoverished, undifferentiated mass and it is important to navigate its diversity to identify the right target customers for various programmes. Rural markets do have their share of rich people who do not use banking services simply because they are inconvenient to access or have low perceived value. At  the same time, urban markets, despite a high branch density, have multitude of low wage earners outside the financial net. Moreover, the branch timings of banks rarely coincide with the off-work hours of the labour class.

Creating affordability is crucial in tapping the unbanked market. No doubt pricing is a tool, but banks also need to be innovative in right-sizing their proposition to convince customers that they can derive big value even from small amounts. One way of doing this is to show the target audience that a bank account is actually a lifestyle enabler, a convenient and safe means to send money to family or make a variety of purchases. Once banks succeed in hooking customers with this value proposition they must sustain their interest by introducing a simple and intuitive user application, ubiquitous access over mobile and other touch points, and adopting a banking mechanism which is not only secure but also reassuring to the customer. Technology is the most important element of financial inclusion strategy and an enabler of all others. The choice of technology is therefore a crucial decision, which could make or mar the agenda. Of the various section criteria, cost is perhaps the most important. This certainly does not mean buying the cheapest package, but rather choosing that solution which by scaling transactions to huge volumes reduces per unit operating cost. An optimal mix of these strategies would no doubt offer an innovative means of expansion in the unbanked market.

21. Which of the following facts is true as per the passage?
(1) People from rural areas have high perceived value of banking services.
(2) Cost is not a valid criterion for technological pack selection for financial-inclusion initiatives.
(3) The inclusion segment is a singular impoverished_ undifferentiated mass.
(4) The branch timings of banks generally do not coincide with the off-work hours of the labour class in urban markets
(5) All the given statements are true

22. According to the passage, for which of the following reasons do the delivery partners fail to serve their bank-‘s goal to expand in the unbanked markets?
(A) They do not have adequate client base to sell they financial products.
(B) They do not have adequate knowledge and skills explain anything beyond basic financial products to the customers.
(C) They do not have the skills to operate advanced technological aids that are a prerequisite to tap the unbanked-market.

1) Only (B)
2) Only (C)
3)All (A), (B) & (C)
4) Only (A)
5) Both (B) and (C)

23. According to the passage, for which of the following reasons is the viability of financial inclusion under question?
(1) Banks always prefer the cheapest package (to cut cost) while making a choice of technology to be used.
(2) The Business Correspondent Agents are highly demotivated to pursue their activity as a full-time job.
(3) The investments made by banks and their delivery partners are not yielding equal amounts of returns.
(4) Banks do not have adequate number of delivery partners required to tap the unbanked market.
(5) Banks do not have adequate manpower to explore the diversity of the unbanked market and thereby identify the right target customers for various programs.

24. In the passage, the author has specified which of the following characteristics of the customer on-boarding process?
(1) It involves collection of documents from the applicants in order to validate their details.
(2) It involves issuance of smart cards to the customers.
(3) It suffers from latency as it takes a long time after submission of documents by the customer
(4) It is an expensive process which people find difficult to afford.
(5) All of the given characteristics have been specified

25. What did the author try to highlight in the passage?
(A) The ailing condition of financial inclusion business at present
(B) Strategies that may help banks expand in the unbanked market
(C) Role of government in modifying the existing financial-inclusion policies
(1) Both A & B
2) All A, B, & C
(3) only C    
(4)Only A
(5) Only B

26. According to the passage, which of the following ways may help banks sustain the interest of their customers after hooking them?
(A) Adoption of a banking mechanism which is not only secure but reassuring to the customers
(B) Increasing the number of delivery partners in rural market
(C) Introduction of a simple and intuitive user application
(1) Only (A)
(2) Only (C)
(3) Only (B)
(4) All (A), (B) and (C)
5) Both (A) and (C)

For Qs(7-8): Choose the word which is MOST SIMILAR in meaning to the word printed in bold as used in the passage.

27. Multitude
1) Impoverished
2) Handful
3) Acknowledged
4) Plenty
5) Solitude

28. Ubiquitous
(1) Quintessential
(2) Popular
(3) Omnipresent
(4) Simplified
(5) Abnormal

For Qs (29-30): Choose the word which is MOST OPPOSITE in meaning to the word printed in bold as used in the passage.

29. Dormant
1) Emaciated
2) Pertinent
3) Cornered
4) Rejected
5) Active

30. Delayed
1) Perturbed      
2) Popularised
3) Expedited
4) Stabilised      
5) Represse

1). (c)
2). (a)
3). (e)
4). (b)
5). (e)
6). (c)
7). (a)
8). (a)
9). (e)
10). (d)
11). (a)
12). (e)
13). (c)
14). (b)
15). (e)
16. 2
17. 3
18. 4
19. 5
20. 2
21. 4
22. 1
23. 3
24. 5
25. 1
26. 5
27. 4
28. 3
29. 5
30. 3