ఎస్బిఐ అసోసియేట్స్. బ్యాంకులు పి.ఒ. పరీక్షా మోడల్ పేపర్

60.    Which of the following general insurance companies will provide an accident insurance cover of up to Rs.1 lakh under the Pradhan Mantri Jan Dhan Yojana?  
    1) Bajaj Allianz
    2) ICICI Lombard
    3) IFFCO-Tokio
    4) Reliance       5) HDFC Ergo     

61.    MICR code consists of how many digits?
    1) 9      2) 11  3) 8   4) 10      5) 12

62.     In which of the following indexes India is ranked 135?
    1) Global Competitiveness Index
    2) Global Corruption Index
    3) Human Development Index     
    4) Gender Gap Index       
    5) Global Peace Index      

63.    Expenditure Management Commission is headed by?
    1) Deepak Mohanty
    2) G. Padmanabhan
    3) H.R. Khan     4) Bimal Jalan  
    5) None of these      

64.    Who was appointed as the UNICEF Goodwill Ambassador for South Asia for child nutrition in October 2014?  
    1) Sachin Tendulkar
    2) Aamir Khan
    3) Rahul Dravid
    4) Priyanka Chopra          
    5) Deepika Padukone    
       
65.    Dr A. Sivathanu Pillai was presented which of the following awards in 2014?  
    1) Shanti Swarup Bhatnagar Award
    2) Rajiv Gandhi Sadbhavana Award    
    3) Lal Bahadur Shastri National Award  
    4) Indira Gandhi National Integration Award       
    5) None of these

66.    Which of the following days is observed as National Sports Day?    
    1) September 24
    2) April 24    3) June 25
    4) August 29    5) July 31

67.    What is the minimum capital requirement for a new bank in the private sector?     
    1) Rs. 100 crore  2) Rs. 50 crore  
    3) Rs. 500 crore
    4) Rs. 1000 crore  
    5) Rs. 1500 crore

68.    Which country finished second in the medals tally at the 2014 Asian Games?
    1) Japan       2) South Korea       
    3) Kazakhstan    
    4) India            5) Iran

69.    Which of the following is the tag line of State Bank of Hyderabad?
    1) The Bank with a Vision         
    2) Nation Banks on Us
    3) Blending Modernity with Tradition              
    4) With you all the way
    5) Modern Innovative Dependable

70.    The idea of Small and Payments banks was proposed by a committee chaired by?
    1) P.J. Nayak     2) Anand Sinha
    3) Raghuram Rajan
    4) Nachiket Mor
    5) C. Rangarajan

71.    The term of the non-permanent members of the United Nations Security Council is?  
    1) One year       2) Two years
    3) Three years  4) Four years   
    5) Five years

72.    Which of the following has been selected as the SAARC Cultural Capital for a year beginning April 2015?
    1) Bamiyan      2) Dhaka
    3) New Delhi      4) Varanasi
    5) Kathmandu

73.    Which of the following has rejected independence and decided to stay with UK?
    1) Wales       2) England      
    3) Scotland   4) Northern Ireland  
    5) None of these

74.    Recep Tayyip Erdogan is the new President of?  
    1) Turkey    2) Lebanon  
    3) Iran      4) Iraq  
    5) Libya

75.    The 2014 US Open tennis women's singles runner-up is?  
    1) Serena Williams   
    2) Caroline Wozniacki  
    3) Petra Kvitova
    4) Maria Sharapova
    5) Venus Williams  

76.    Which of the following is the most recent stage of marketing evolution?
    1) Marketing department era
    2) Production era
    3) Sales era
    4) Marketing company era
    5) None of these

77.    McDonald's and KFC are good examples of:
    1) Distributors   2) Franchising
    3) Merchant         4) Retailers
    5) Sellers

78.    _____is defined as the difference between the benefits a customer sees from a market offering and the costs of obtaining those benefits.
    1) Customer value
    2) Satisfaction scale
    3) Profit margin
    4) Competitive benefit
    5) None of these

79.    Users are able to create content and become more involved with a brand through:
    1) Door to door
    2) Online communities
    3) Direct mail
    4) Telemarketing
    5) All of the above

80.    This is part of the communication process and refers to the responses offered by receivers:
    1) Encoding    2) Decoding
    3) Transfer    4) Feedback
    5) None of these

81.    The quadrant of the Boston Consulting Group (BCG) matrix that represents both a high market share and a high rate of market growth includes the:
    1) Cash cows
    2) Question marks
    3) Cats    4) Dogs
    5) Stars

82.    Which of the following elements is not part of Porter's Five Forces model for industry competitiveness?
    1) Threat of substitutes
    2) Threat of suppliers
    3) Power of buyers
    4) Threat from government
    5) None of these

83.    Which is NOT classified in buy classes?
    1) New task
    2) Information gathering
    3) Modified re-buy
    4) Straight re-buy
    5) All of the above

84.    The purchasing strategy is based on collaboration in research and development. This is called:
    1) Bargainer
    2) Clock wiser  3) Adaptation
    4) Updater    5) None of these

85.    What is the term used to describe the degree to which the data elicited in a study is replicated in a repeat study?
    1) Replication
    2) Pre-code    3) Reliability
    4) Convenience
    5) None of these

86.    The PC (personal computer) and the Apple Macintosh are examples of two different:
    1) Platforms    2) Applications
    3) Programs  4) Storage devices
    5) CPU's

87.    Smaller and less expensive PC-based servers are replacing ____ in many businesses.
    1) supercomputers
    2) clients    3) laptops
    4) Users     5) Mainframes

88.    The difference between people with access to computers and the Internet and those without this access is known as the:
    1) Digital divide
    2) Internet divides
    3) Web divides
    4) Broadband divide
    5) Cable divides

89.    __ controls the way in which the computer system functions and provides a means by which users can interact with the computer.
    1) The platform
    2) The operating system
    3) Application software
    4) The motherboard
    5) Power socket

90.    Programs designed to perform specific tasks is known as:
    1) System software    
    2) Application software
    3) Proprietary programs    
    4) Open source software
    5) None of these

91.    The operating system is the most common type of ___ software.
    1) communication
    2) application          3) system
    4) word-processing  5) digital

92.    ____ is a set of computer programs used on a computer to help perform tasks.
    1) An instruction  2) Software
    3) Hardware        4) Memory
    5) A processor

93.    Any part of the computer that you can physically touch is called:
    1) Hardware    2) Software
    3) A device    4) A peripheral
    5) An application

94.    Which of the following is not available on the Ruler of MS Word screen?
    1) Tab stop box   2) Left Indent
    3) Right Indent
    4) Center Indent
    5) All of these are available on ruler

95.    The radian of a number system:
    1) Is variable    
    2) Has nothing to do with digit position value
    3) Equals the number of its distinct counting digits    
    4) Is always an even number
    5) None of these

96.    Which of the following is not a type of page margin?
    1) Left    2) Right
    3) Center    4) Top
    5) Bottom

97.    The term MIPS refers to _____
    1) millions of instructions per second
    2) multiple instructions per second
    3) megabytes of instructions per seconds
    4) millions input processor set
    5) multi-inductance processing system

98.    Punched cards are associated with the name:
    1) Leibniz    2) Jacquard
    3) Pascal    4) Cabal
    5) Hollerith

99.    The ____ layer change bits onto electromagnetic signals.
    1) Physical    2) Transport
    3) Data Link    4) Presentation
    5) All of the above

100. Which of the following is section of the CPU that selects, interprets and sees to the execution of program instructions?
    1) Memory     2) Register unit
    3) Control unit 4) ALU
    5) System unit

English Language

Directions (Q. No. 101-110): Each question below has a blank/ two blanks, each blank indicating that something has been omitted. Choose the word/ set of words from the five options for each blank that best fits the meaning of the sentence as a whole.

101.    The policemen were instructed to ____ restrain and deal with the mob ____.
    1) control, peace
    2) prevent, peaceful
    3) exercise, peacefully
    4) recognize, peace full
    5) implement, peacefully

102.    Deepika's brother is currently in class ____.
    1) Ten       2) Tenth   
    3) Top          4) Last  
    5) 10th

103.    I ____ that I am an expert consultant for ten industries.
    1) boasted    2) suggested
    3) found     4) challenged
    5) questioned

104.    Our top management and middle management have made ____ efforts to enable us to perform ____ and efficiently during the last quarter.
    1) deliberate, effective
    2) complete, effect
    3) concerted, effectively
    4) enough, affect
    5) logical, effective

105.    It is only to the vain that all is vanity; and all is ____ only to those who have never been ___ themselves.
    1) cowardice, afraid for
    2) deception, sincere with   
    3) ambiguous, true to
    4) clear, rude to
    5) advantageous, harsh

106.    It is foolish to vent your spleen on ___ object; still, you make ___ enemies that way.
    1) a live, more  2) a tasty, clear
    3) an inanimate, fewer   
    4) an insipid, strong
    5) a real, definite

107.    If they carry this ___ attitude to the negotiations, they will ___ any supporters they may have at this moment.
    1) supercilious, attract
    2) truculent, alienate   
    3) belligerent, delight
    4) wrong, pinpoint
    5) right, admonish

108.    We are not attracted by the ___ life of the ___, always wandering through the countryside, begging for charity.
    1) interesting, pauper
    2) dull, beggar
    3) noble, patriot
    4) peripatetic, vagabond   
    5) natural, philosopher

109.    Greed ___ character as well as morale
    1) dulls     2) stimulates
    3) maintains     4) provides
    5) debilitates  

110.    People in India nowadays have become so democratic in their habits of thought that they are convinced that truth is determined through ___of facts.
    1) An analysis  2) A debate
    3) A Plebiscite   
    4) A realization
    5) A Camouflage

Directions (Q. 111-120): 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.

As per a Nasscom survey, during the previous year piracy increased by 2%, from 61%, and losses due to software piracy were close to Rs. 1,100 crore. Every year, piracy accounts for billions of dollars worth of revenue losses for software vendors like Microsoft and Adobe. No matter who the perpetrators of piracy are, it is causing the cash reserves of software vendors to dwindle by the day.

Despite possessing the purchasing power, consumers in India lack the maturity to buy software from legal sources. This is mainly because a majority of Indians have seen a sudden flood of software in the country but have no clue about its origin. In developed nations, companies make the extra effort of creating awareness about the development stages and resources of software products. In return, consumers are more than willing to pay for the value of the product.

Also, the channels for facilitating the purchase of software are not conducive to legal purchase. For example, if an end user is able to buy software worth a mere couple of dollars like WinZip as easily as a piece of hardware, the end user is more likely to develop such a habit of buying. What actually happens is that because it is available almost for free, the software is taken for granted. Soon, using pirated versions of software becomes a habit.

People in India don't like to pay for the software because it is available with the hardware they purchase. "All that we can do is mail legal notices and educate both the end users and retailers against using them," says the channels manager, Adobe India. For Nasscom, bringing down the level of piracy has been a daunting, almost an unachievable task, in the last few years. According to their estimates, more than seven in ten businesses, software applications are pirated, a common scene in developing nations. "The concept of buying software has never existed for the Indian consumer. People still want software for free or almost minimal cost," says Nasscom president Kiran Karnik.

Another factor detrimental to the purchase of genuine software is the high initial cost of software and the fact that newer versions keep appearing every now and then. But price should not be an issue if one looks at the purchase as a long term investment. Besides, upgradation requires a much smaller amount to be shelled out. Price becomes an issue only when you consider the usage of the product. According to Adobe, people pay next to nothing for a pirated version of Adobe software and make huge returns especially in the print and advertising media. For Adobe, a large pool of revenues comes from people wanting to continually upgrade. "Piracy is our biggest competition in India. We support people and give them valid reasons for buying legalized copies of our products. As far as pricing is concerned, we also give people choices on their purchases like individual boxes or elements or a collection, based on their requirements," says Craig Tegel, MD, Pacific and South Asia, Adobe.

At Adobe, the rate of piracy is as high as 90%, which means for every 10 users of Adobe products nine use pirated versions. Lesser returns on investments might not affect companies like Microsoft and Adobe to a large extent, but could prevent small time developers who mostly make utility software from coming out with innovative versions. Also with most non-English speaking countries like India seeking localization of software, piracy acts as the biggest obstacle in their attracting foreign investment from the likes of Microsoft and Adobe.

111.    Companies like Microsoft and Adobe can play a role in curbing piracy by
    1) Reducing the price of their software packages
    2) Giving more choices so that buyers can purchase what they want, keeping their budget in view
    3) Educating all the users through personal mails
    4) Directly selling to customers
    5) Indigenously developed products

112.    The author feels that Indians are not being open to the idea of purchasing software because of
    1) Their limited monetary capacity
    2) The sky rocketing prices
    3) The availability of cheap legal versions
    4) The variety packages
    5) The software coming free with the hardware

113.    Piracy, inadvertently, can effect small vendors by
    1) Discouraging their innovations
    2) Killing them as they cannot withstand the revenue losses
    3) Eating into their earnings
    4) Preventing their non-English versions from coming into market
    5) Encouraging big vendors

114.    Price of the software package should not be a major hindrance if
    A. It is regarded as a long term investment
    B. After an initial investment, further upgradation of the same is cheap
    C. Newer versions are cheaper than original product
    1) Only A    2) Only B
    3) B & C  4) A & B  5) A & C

115.    The term "localization of software" in the context of the passage implies
    1) Decentralization
    2) Suited to local needs
    3) Indigenously developed packages
    4) Vernacular packages
    5) Centrally available

Directions (Q. No. 116-118): Choose the word which is MOST SIMILAR in meaning to the word printed in bold as used in the passage.

116.    Obstacle
    1) Important      2) Prominent
    3) Impediment 4) Imperative
    5) Significant

117.    Daunting
    1) Intimidating  2) Intimating
    3) Initiating      4) Intermittent
    5) Intimacy

118.    Valid
    1) Improve    2) Substitute
    3) Indigenous    4) Legitimate
    5) Create

Directions (Q. 119-120): Choose the word which is MOST OPPOSITE in meaning to the word printed in bold as used in the passage.

119.    Conducive
    1) Beneficial    
    2) Valuable
    3) Worthless     4) Invaluable
    5) Precious

120.    Dwindle
    1) Decline     2) Disappear
    3) Diminish    4) Depart
    5) Augment

Directions (Q. No. 121-125): Read each sentence to find out whether there is any grammatical mistake/ error in it. The error, if any, will be in one part of the sentence. Mark the number of that part with error as your answer. If there is 'No error', mark (5) as your answer.

121.    There is more gratification (1)/ for being a caring (2)/ person than in just (3)/ being a nice person. (4)/ No error (5)

122.    Relationships are built (1)/ in kindness, understanding and self-sacrifice (2)/ not on jealousy, selfishness, puffed up egos (3)/ and rude behaviour. (4)/ No error (5)

123.    She resolved being tender with the young, (1)/ compassionate with the aged, (2)/ sympathetic to the striving (3)/ and tolerant of the weak. (4)/ No error (5)

124.    Companies spend (1)/ close to a million dollars (2)/ for a 30 second advertisement (3)/ between a major event. (4)/ No error (5)

125.    People who do not want (1)/ to adhere to any moral standards (2)/ keep changing the definition of morality (3)/ on saying nothing is right or wrong, only your thinking makes it so. (4)/ No error (5)