MODEL TEST PAPER

Part-A (Total Marks 60) Duration: 1 Hour Please Encircle the answer (Multiple Choice)

GENERAL BANKING
01. Which Circle of SBI has proposed to launch Vasundara a. Hyderabad b. Mumbai c. Chennai d. Ahmedabad

02.

In a Banks balance sheet bad debts and provisions for doubtful debts are shown under a) Loans and advances b) Provisions c) Reserves d) Contingent liabilities

03. A Co-operative bank operating in different states are regulated by a) State co-operative society act b) Banking regulation act c) Multi unit co-operative societies act d) Banking laws applicable to co-operative societies act 04. A banker is expected to honour the cheques within the specified banking hours as per section _____of NI Act, 1881 a) 22 b) 25 c) 31 d) 65 05. Ombudsman scheme is framed under which act a)Section 35-A of BR Act b)Section 35-A of RBI Act c)Section 42 of RBI Act d)Ombudsman scheme 06. Investment fluctuation reserves are classified under which type of capital a. Tier I Capital b. Tier II Capital c. Tier III Capital d. Paid up capital 07. As per sec 80 of CPC, a notice of _____ is required to be given before filing of suit against any govt organisation a. 2 months b. 60days c. 45 days d. 3 months 08. The limitation period for filing complaint in a court for dishonour of cheque under section 138 of NI Act is: a. 15 days from cause of action b. 1 month after the cause of action c. 1 month from date of cheque d. 30 days from receipt of returned cheque 09. KYC guidelines have been framed on recommendation of /as per guidelines of a. Reserve bank of India b. Financial action task force c. Ministry of finance d. Indian banks association

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10. RBI has set up _______________________for improving and monitoring customer service in bank . a. Banking codes and standard board of india b. The ombudsman scheme of Bank c. Board of codes and standard board of india d. Board of customer services for banks in india 11. Under the right to information act, if a citizen is not satisfied with the reply given, he can prefer appeal within ____________ from date of decision a.30 days b. 15 days c. 45 days d. 24 hours 12. Branches having average daily cash receipt between 50 lacs and 1 crore should install note sorting machines by __________ a.March 2011 b. March 2012 c.sep 2011 d. Dec2011 13. Next roll out of interbank clearing through cheque truncation system is planned for March 2011 at a. Hyderabad b. Mumbai c. Chennai d. Ahmedabad 14. At soaring prices, RBI hike the short term indicative borrowing and lending rates _____ repo and reverse repo by _____ and ______ basis points respectively a.25,50 b. 25,25 c. 50,25 d. 50,50

15. As per SBI Act, the maximum number of Managing Directors to be appointed by the Government in SBI are ____. a. 2 b. 3 c. 4 d.8 16. If a dispute amount is upto 20 lakhs, the customer may approach ______. a. District Consumer Forum b. State Consumer Forum c. National Consumer forum d. A& b above 17. In case of Public Sector Banks, Foreign Direct Investment is capped by Government at ____. a. 74% b. 49% c. 20% d. 51% 18. The face value of bond being issued by our Bank under Public Issue of Bonds 2010 is _____. a. 1,000/b. 5,000/c. 10,000/d. 20,000/19. In terms of Government of India Gazette Notification No. GSR 638(E) dated 28th July 2010; the acquisition of State Bank of Indore has become effective on_________. a 23rd August 2010 b 24th August 2010 c 25th August 2010 d 26th August 2010 20. Minimum Bonus, as per the payment of Bonus Act, 1965 is payable to eligible employees at 8.33% of the salary/wages, subject to maximum of ______ a 3,500/ b 5,000/ c 7,500/ d 10,000/-

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21. SBI Life has launched a group insurance product named ____ which covers ___ critical illnesses. a Group Criti9, 9 b Group Criti3, 3 c Group Criti9, 3 d Group Criti3, 9

22. What is the maximum number of earned leave an employee can accumulate? a.30 days b. 45 days c. 240 days d. 300 days 23. Sampoorna Suraksha Term Plan of SBI Life covers a.All confirmed staff as per HRMS data c. Award staff only b. All officers d. All sub staff

24. The value of the momento that is given to a participants in the Green Channel programme a. 5000 b. 7000 c. 10000 d. 12000

TECHNOLOGY
25. The threshold limit for RTGS transactions has been raised from the present limit of to _____________ a. 2 lacs b. 3 lacs c. 5 lacs d.10 lacs 1 lakh

26. Threshold Amount for Savings Plus (Auto Sweep Facility) in case of salary packages i.e. CSP/DSP/ PMSP/ SGSP/ RSP/ SPICA etc. is ______. a. 5,000/b. 10,000/c. 15,000/d. 15,000/27. In CBS, new Menu called QUICK LOAN ACCOUNT has been recently created for opening of _______. a. DL- AGRI Gold loan b. OD- KCC/ACC c. DL/OD- Agri Gold Loan, KCC/ACC d. a & b above 28. To roll out centralized payment of Service Tax, the software to be used in our Bank is _____. a. VPS b. STAXZ c. STACS d. None of these 29 Maximum amount to be transferred through the Instant Mobile Payment System (IMPS) is capped at _____. a. 10,000/- at a time b. 50,000/- at a time c. 50,000 each day d. 1,00,000/- at a time 30. In our Corporate Internet Banking, up gradation of Khata facility to ____ is possible. a. Vyapaar only b. Vistaar only c. any of the above d. None of these 31. ASBA (Application Supported by Blocked Amount) facility is available for _____. a. IPO of companies b. IPO and NFO of MF c. All trading transactions of shares & mutual funds d. a & b above

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32. The complaints relating to the ATM services and Payment Gateway transactions are to be lodged by the branches through ___. a. ATM Switch centre b. Complaint Management System c. any of the above d. respective branches 33. Interbank Mobile Payment Service (IMPS) is proposed to be offered by _____. a. Bharat Sanchar Nigam Ltd. b. National Payments Corporation of India c. Bharti Airtel d. a & b above 34. Recently our bank has offered purchase facility of Gift card through _____. a. Contact centre b. Mobile banking c. Online banking d. None of these

35. The world's first most tech savvy project to provide unique identity cards with biometric data is christened as ______. a. Swawalamban b. Aadhaar c. Umang d. None of these 36. RBI has engaged _________ international consultant to plan its rural banking expansion plans. a.Mckinsy & Co b.M/s. Deloittee & Touche c. M/s. Pricewaterhouse Coopers (PwC), London d.None of these

PERSONAL BANKING
37. The loan to value ratio on home loan has now been restricted to maximum a. 70% b. 75% c. 80 % d.90% 38. In our Bank, Super affluent customers are the persons whose income is above _____. a. 25 lacs b. 50 lacs c. 75 lacs d. 100 lacs 39. Minimum tenure of deposit sourced by BFs stipulated in our Bank is ____. a. 6 months b. 12 months c. 24 months d. 36 months 40. Our Corporate Salary Package is available to employees of Corporates and Institutions, having gross salary above _____. a. 5,000/b. 20,000/c. 50,000 d. All employees 41. With a view to improve the quality of verification of the account opening forms (AOF) and other handling cost, our Bank has decided to charge 100/- per discrepant AOF from the ______. a. officer(s) in the branch responsible for AOF c. BM and RM at 50/- each b. Regional Manager d. Branch Manager

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42. Maximum permissible loan amount in SBI Yuva Home Loan is _____. a. as per the EMI/NMI ratio b. 1.2 times the EMI/NMI ratio c. 36 times the NMI d. 60 times the NMI 43. Under Interest Subsidy for Education Loans for economically Weaker Sections, interest claims are required to be submitted at _____ intervals. a. monthly b. quarterly c. half yearly d.Yearly 44. Recently our Bank has decided discontinuation of the ___ due to logistical reasons. a. Checking of VVRs b. Non- Home Transactions Register b. Fixed Assets Register d. Charges register 45. SBI 555 and SBI 1000 are available in ______. a. Metro and Urban branches b. Rural and Semi Urban branches c. Rural branches only d. All the branches

46. SBI Surakshit Home Loans is a Home loan with _______. a. no requirement of mortgage b. freedom to pay at the will c. life Insurance Cover d. None of these 47. Security deposit received from Business Correspondence (BC) should be kept in the form of STDR for a period of _____ years and kept under safe custody. a. 2 b. 3 c. 5 d. 7

48. As per the revised guidelines in SBI Advantage Car loan scheme, required EMI/NMI ratio for net annual income upto 5 lacs should not exceed________%. a. 30 b. 40 c. 50 d. 60 49. If at the time of Current Credit Audit, the deficiencies relating to more than one earlier Credit Audit Reports are pending; a penalty of ________ for each report would be imposed. a. 10 b. 15 c. 20 d. 25 50. Cheques drawn on branches of other banks located at State Capitals/Major A class Cities/other locations will be collected within ________ days respectively. a. 7/10/14 b. 8/10/14 c. 9/10/14 d. 7/8/14

51. In recently introduced State Government Salary Package (SGSP) Scheme, SBI Vishesh status is available to customers belonging to _________ variants. a. Only Gold b. Only Diamond c. Only Platinum d. Both b & c 52. The cut-off limit for double signature in Inter Office Instruments (IOI) wef 01/12/2010 will be ______. a. 50,000/b. 1,00,000/c. 1,50,000/d. 2,00,000/53. ST-3 returns are required to be filed on ________ basis. a. Monthly b. Bi- monthly c. Quarterly

d. Half yearly

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54. As per the revised guidelines, the cash retention limit of the branch will be reviewed by the RM/CM (Admin) every year in the month of____ _____ every year. a. January b. March c. May d. September 55. As per the RBI guidelines, the collecting banker and paying banker has to share _______ charges for collection of Outstation cheques. a. 25:75 b. 75:25 c. 50:50 d. 0:100 56. Branches will afford immediate credit of outstation cheques of other banks up to and inclusive of _________tendered for collection by their customers. a. 15000 b. 25000 c. 30000 d. 50000 57. Interest payment for delayed collection shall be payable with a minimum of ____ even if the interest calculated is less than that amount. a. 10 b. 20 c. 30 d. 50 58. The upper limit for issue of MCC cheques for P segment customers is ________ lacs, subject to recovery of usual service charges as per Banks Circular on Service Charges. a. 2.00 b. 5.00 c. 10.00 d. No limit 59. As per the operating guidelines on DP, retail individual customers with portfolio value of above _____ lacs to ____ lacs will be classified under medium risk category. a. 1,5 b. 2,10 c. 3,10 d. 5, 20 60. A campaign named______ has been launched from 01/11/10 to 31/01/11 to attract more officers account of the three armed forces under Defense Salary Package. a. Cyber Power b. Trishul c. Lakhshya d. Mission DSP

DEVELOPMENT BANKING
61. A term loan a/c is classified as NPA and a/c was restructured on 01-06-2009. The first instalment was due on 31-12-2009. The instalment paid on 30-12-2009.from which date the account will be treated as standard a.31-12-2010 b. 30-12-2010 c. 01-01-2011 d.31-12-2011 62. Standard assets provisioning for all housing loans with teaser interest rates have been raised to_____________ a. 0.5% b. 1.00% c. 2% d.3% 63. To claim incentive under NPA Management in KCC, the over-riding conditionality is that KCC NPAs at the end of the campaign period should be below ______ level. a. March 2010 b. June 2010 c.Sept 2010 d. Dec 2010 64. Under Farmers Club, the minimum and maximum number of members are ____ & ____ respectively. a. 4 & 10 b. 10 & 20 c. 10 & 50 d. 10 & no ceiling

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65. In case of Tractor Upgradation (Sanjeevani), an additional loan given for repair is to be repaid within a maximum period of _____or up to the last instalment of the existing tractor loan, whichever is earlier. a. 3 years b. 5 years c. 7 years d. 9 years 66. Our Bank has decided to deploy the Rural Marketing and Recovery Officer (erstwhile OMR) in RUSU areas for a minimum period of ___ years of their service beginning from the date of absorption. a. 5 years b. 10 years c. 20 years d. entire 67. Maximum exposure levels prescribed to individual borrowers for aggregate credit facilities (fund based and non-fund based) is ______. a. 25 crs b. 50 crs c. 100 crs d. 500 crs 68. In case of sale of NPAs to ARC/FIs, eligible account must have been NPA for ____ and above. a. 1 year b. 2 years c. 3 years d. 2 years 69. Usually, under Agriculture segment, the maximum amount eligible for takeover of advances is ______. a. 25 lakhs b. 50 lakhs c. 100 lakhs d. No ceiling 70. It has been decided to reverse all accounts that were written off and parked in AUCA, with outstanding less than ______and or where the realizable value of the security is less than _____ of the outstanding, a. 50000.00, 10% b. 50000.00, 15% c. 50000.00, 20% d. 50000.00, 25% 71. The cost of the TIR and valuation report would be borne by_______under the builder tie up arrangement. a. Customer b. HLST c. The Bank d. RACPC 72. In Doctor Plus scheme, minimum score of ____ in credit scoring model is required for sanctioning the loan. a. 30 b. 40 c. 50 d. 60 73. As per the revised scoring model for tractor loan, proposals with credit score of ________ & above are considered Good Loans for sanction. a. 50 b. 52 c. 54 d. 56 74. What is the margin requirement for ACC/KCC limit above 100000/-? a. 10% b. 15% c. 20% d. 15%-25% 75. Bank has relaxed collateral security requirements for crops loans up to ____ lacs to those farmers whose track record is good for_____ years. a. 1, 2 b. 2, 3 c. 3, 4 d. 4, 5 76. It has been decided to raise the upper cap under loans against the security of Gold Ornaments from ________lacs to ______ lacs. a. 2, 5 b. 2, 10 c. 3, 5 d. 3, 10

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77. Minimum net monthly income for SBI Yuva home loan borrowers is fixed at _____. a. 25000 b. 30000 c. 50000 d. 75000 78. X press credit loan can be repaid upto ____ EMIs or remaining service whichever is less. a. 36 b. 48 c. 60 d. 75 79. The Income criteria for DRI scheme in urban areas is b. 18000 c. 24000 a. 12000

d. 36000

80. As per Basel II, what is the risk weightage on the loans and advances given to staff of the nationalized bank? a.20% b.50% c.100% d.125% 81. Right of foreclosure is available which type of mortgage a. Mortgage by conditional sale b.English Mortgage c. Equitable Mortgage d. None of these 82. What is the composite loan limit for working capital and term loan for a Micro and small manufacturing enterprises a.25 lacs b.50 lacs c.75 lacs d.1 crore 83. Corporate debt restructuring covers multiple banking accounts/syndicates/consortium account with outstanding exposure of ____ and above with the banks/FIs. a.1 crore b.2 crore c. 5 crores d.10 crores 84. If a principal debtor files objection to his assets being acquired under SARFAESI act, the bank has to reply within a. 7 days b.30 days c.45 days d.60 days

COMMERCIAL & INSTITUTIONAL BANKING

85. Except which of the following, others are known as non fund based facilities a) Letter of credit b) bank guarantees c) Co-acceptance of bills d) Trust receipt 86. Potential inability of a bank to meet its liability is______ type of risk a. Liquidity b. Operational c. Credit d. Market 87. As per new RBI guidelines bank should obtain ______for properties valued at 50 crores or above a. Minimum three independent valuation report b. Minimum two independent valuation reports c. One independent & one in-house report d. Banks are free to decide 88. In our SBI SME Collateral-Free Loans scheme, the assessment of Working Capital for Service Enterprises is based on ______ of the projected turnover /Revenue.

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a. 10%

b. 15%

c. 20%

d.25%

89. Balance Sheet, is a statement of balances, depicting the state of affairs or position of a business enterprise _______. a. as on a particular date b. for the financial year c. cumulative upto the current year d.None of these 90. Under CGTMSE, where Working Capital facility alone is covered, the tenure is for a block of _____ years. a. 1 b. 2 c. 3 d. 5 91. As per RBI guidelines, any exposure up to ____ crores is treated as a Retail Exposure for the purpose of Capital calculation. a. 1 b. 2 c. 3 d. 5 92. No enhancements in credit limits are to be considered in existing accounts rated below_______. a. SB 5 b. SB 9 c. SB 10 d. SB 16 93. In SBF, Retail Trading units with credit limits not exceeding under Priority Sector advance. a. 10 b. 15 c. 20 _____ lacs will get classified d. 30

94. In case of transfer of an account to AUCA, the realizable value of tangible security to be more than____ of outstanding should be available. a. 20% b. 30% c. 40% d.50% 95. Banks should not insist on collateral security in case of loans upto Micro and Small Enterprises Sector a. 5 lacs b. 10 lacs c. 15 lacs _____ extended to

d. 20 lacs

96. As per RBI guidelines, SME accounts can be restructured for minimum and maximum period of _______ a. 1 & 5 years b. 3 & 5 years c. 5 & 7 years d. 5 & 10 years

GENERAL AWARENESS
97. The theme of Bancon 2010Transforms to outperform hosted by central bank of India held in __________ a. New Delhi b. Kolkatta c. Mumbai d. Chennai 98. The Ministry of financed announced that 25 Paise Coin will cease to exist as a legal tender with effect from ____. a. 31.03.2011 b. 30.06.2011 c. 30.09.2011 c. 31.03.2012 99. What is the HDI rank of India in 2009? b. 143th c. 314th a. 134th

d.341th

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100. The official banker for the Commonwealth Games 2010 a. Central Bank of India b.Bank of India c. State Bank of India

d.Union Bank of India

101. In whose name 5 coin has been proposed to be realesed by RBI a. Mother Teresa b. R.N.Tagore c. Rajiv Gandhi d. Manmohan Singh 102. Which of the following bank has entered its centenary year? a.Central bank of India b. PNB c.Bank of Baroda d. Corporation bank 103. Which of the following has emerged as the countrys most popular bank for the year 2010 in terms of online visits? a. HDFC b. ICICI c. CITI BANK d.AXIS BANK 104. Which of the following decides the minimum support prices on behalf of the Govt of India? a.Ministry of agriculture b. cabinet committee on economic affairs c. Agriculture cost & price commission d. None of these 105. Which of the following is the correct motives of Govt. decision to infuse capital of Rs 6000 crore in 10 public sector banks? a. To ensure that capital adequacy ratio of all public sector banks increases to 7 percent b. To ensure that the banks are able to sustain in the financial slow down c To raise govt holding to a minimum 58 percent in all state run banks d. All of these 106. Who is the chairman of SEBI? a.Vijay kelkar b.N.N.Vora

c. C.Rangarajan

d U.K Sinha

107. Which of the following company became indias first listed IT firm to cross $1 billion turnover? A.Satyam b.HCL c.wipro d. Infosys 108. Approximately _____ fraction of indias trade by volume is moved by sea a.70% b. 80% c.90% d.95% 109 Base Rate of State Bank of India as on date is ______. a.7% b. 7.60% c.8%

d.8.25%

110. The State Bank Staff College, Hyderabad has turned into______ year. The College conducts around 250 training programmes a year and train about 7,000 professionals. a. 50 b. 60 c. 75 d. 65 111. The both houses of the Parliament has passed a bill for reducing the minimum level of Govts share holding in equity of State Bank of India from 55% to . a.49 b. 50 c.51 d. 52 112.RBI has transferred its stake in NABARD to the Government. Now its stake in NABARD is a. 1% b. 10% c. 49% d. Nil

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113. SBI now has 151 foreign offices across ____________ countries, including the US, the UK, Singapore, Canada and Mauritius. a. 30 b.B 31 c. 32 d. 34 114. SBI has raised Rs 500 crore at 9.05% through three months _____, which is a money market instruments issued by lending institutions to meet short term funding needs. a. CD b. CP c. SUBORDINATED BONDS d. PERPETUAL BONDS 115 RBI has told banks not to charge more than ________for any cash deposit made at a non-home branch (other than the one where the customer has the account a. 5 b. 15 c. 25 d 35 116. After opening the countrys first branch for high net worth individuals, the SBI is set to launch a branch for the youth in ___________. a. Hyderabad. b. Bangalore c. Delhi d. Mumbai 117. SEBI has notified the increase in retail investment limit to Rs _______ lakh in initial public offers. The new norms will be applicable to issues that have yet not opened for subscription a. 1.5 b. 2 c. 2.5 d. 3 118. India Economic Summit was recently held at .. a. Hyderabad b. Bangalore c. Mumbai 119. Name the biggest foreign bank in India a. CITI BANK b.STANDARD CHARTERED BANK c. ABM AMRO BANK d. INDUSIND BANK 120. Self Service Banking Centre of the State Bank of India is at a. New Delhi b. Kolkatta c. Mumbai d. Chennai

d. New Delhi

********************

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PART-B (Total marks 140)

Time allowed: 2 hours English Comprehension: Note: Read the following passage and answer the questions given below them. Certain words/phrases are printed in bold to help you to locate them while answering some of the questions.

Passage No: 01. Economists have rightly emphasized the risks of globalization from economic and financial instability. But they have ignored environmental destruction, and the resulting global warming which is now the central global concern. Fast growing middle income nations, such as China, Malaysia and India have a big stake in globalization- and therefore, in confronting this environmental danger. Their rise have been tied to globalization. They have doubled their trade in the past decade, and by liberalizing commercial policies, have also helped others gain to China, Indonesia as well as India, environmental outcomes have a special significance. They possess 60% of the worlds fresh water resources, 60% of forests, much of the coral reefs and valuable biodiversity. But they also face massive degradation of air, forest, land freshwater and marine resources, with the rise in population adding up to the high cost. The atmospheric concentration of carbon dioxide reached 379 parts per million in 2005 compared to a preindustrial level of 280 ppm. Scientists concur that to avoid massive climatic instability, the change in global temperature ought not to be more than 2*C above pre-industrial levels. To secure that outcome with some certainty, the concentration on carbon dioxide needs to stay below 400 ppm. Rich countries like the United States, Japan, European nations are by far the most responsible for this and other greenhouse gas emissions in per capita terms. So they must propel mitigation measures to improve energy efficiency and protect the environment. But middle income countries now account for half of all emissions, and they would not want to emulate the poor example set by rich countries. In Brazil, China and India, air and water pollution is severely impairing peoples health

and productivity in the workplace with a direct impact on growth prospects. Moreover, globalization has speeded the spillover of these damages. Growth fuelled by energy-intensive industry, urban crowding, and deforestation has added to atmospheric concentrations of carbon, warming land and ocean and bringing extreme weather. In turn, climate change threatens to MOCK TEST PAPER FOR PO/TO/OJM -FEB 2011 Page 12 of 19

erode coastlines and provoke droughts and floods, in rich countries and poor. A clear link is emerging between deforestation and soil degradation on the one side, and the fastest rising natural disasters, which are floods and wind storms, on the other. Societal benefits of abating high levels of emissions far outweigh the costs of doing so. Yet economists and policy makers have not drawn the implication of this calculus for the reform agenda, be it in trade, energy or infrastructure, sadly, the costs of such neglect are large. Also no country rich or poor, has enough motivation to confront global problems alone. Because only a part of the benefits of addressing those problems would accrue to countries taking action, while others could have a free ride. The gains are also spread over time, beyond the horizon of politicians interest. Such situations call for collective action, even if they are not easy when many diverse countries are involved. The crucial question is how best countries might participate in collective measures to mitigate environmental threats to growth. One opening involves avoiding deforestation. Cutting down forests accounts for a fifth of the emissions, more than those from all transportation. By protecting their forests, countries can reduce carbon emissions in the atmosphere, paving the way for new markets for tradable emission permits that would compensate them for the protection. Whether and how quickly the environment is accorded top priority will determine the future of the world economy.

Answer the following questions based on the passage.

1. Which of the following is TRUE in the context of the passage? (1) (2) Pollution from vehicles is the single greatest contributor to global warming The rise of middle income countries has doubled the levels of greenhouse gas emissions. (3) China and India have the motivation but not sufficient influence to implemental reform. (4) (5) Urban crowding has resulted in extreme weather conditions. To reduce climate instability global temperature should be just below or at preindustrial levels. 2. The authors main objective in writing the passage is to (1) (2) Exhort scientists to provide feasible solutions to stop climate change. Warn politicians not to disregard the threat of economic instability while focusing on environmental challenges. MOCK TEST PAPER FOR PO/TO/OJM -FEB 2011 Page 13 of 19

(3)

Coerce middle income countries into taking some initiative in bringing about environmental reform.

(4)

Criticizing the citizens of rich countries for not pressurizing their governments to do more to protect the environment.

(5)

Urge countries to take the threat of global warming seriously and to take necessary steps to address the problem

3. Which of the following is NOT an impact of global warming? (1) (2) Countries have begun to invest heavily in the alternative energy industry. Productivity of the workforce has diminished on account of the falling health of the employees. (3) Rich countries have under taken research to prevent natural disasters despite deforestation. (A) (B) (C) (D) (E) Only (1) Both (1) and (3) Both (2) and (3) Only (3) None of these

4. What role should the US play in slowing down environmental destruction? (1) (2) Compromise on funding of scientific research into alternative energy sources. Create a forum for nations to arrive at a consensus on how to deal with environmental threats. (3) (4) Bring pressure on middle income countries to draft an environmental policy. Restrict trade with countries not complying with universal measures to combat global warming. (5) None of these

5. According to the author why are politicians reluctant to formulate environmental reform? (1) The expenditure on implementing environmental reform does not justify the benefits. (2) Economic stability is a more pressing concern for countries today. (3) The impact of these policies will only be felt in the long run which does not benefit them politically. (A) Only (3) (B) Both (1) and (2) MOCK TEST PAPER FOR PO/TO/OJM -FEB 2011 Page 14 of 19

(C) Only (1) (D) All (A), (B) and (C) (E) None of these 6. According to the author which of the following is a likely outcome of neglecting environmental reform? (1) (2) Globalization will take place at a faster pace because of few restrictions. Politicians in many countries will be voted out of power for neglecting these reforms. (3) (4) (5) Poor counties rather than rich ones will bear the brunt of natural disasters. Potential for future economic growth is threatened. Concentration of carbon will reach pre-industrial levels.

7. Which of the following is a means to reduce the environmental threat to growth? (1) Governments should conduct a cost benefit analysis of various environmental protection measures a and implement those which are cost efficient. (2) Participation of all countries in arriving at a consensus on measures necessary to combat environmental challenges to growth. (3) (A) (B) (C) (D) (E) Scientists not economists should determine the risks to globalization. None Only (2) Both (1) and (2) All (1), (2) and (3) None of these

8. What is the view of scientists on the correct climate change? (1) (2) (3) Rich countries are solely responsible for global warming Pre industrial levels of carbon concentration are un-achievable. Controlling rise in global temperature is possible by maintaining carbon concentration below a certain level. (4) Massive climate instability is unavoidable and the focus should be on measures to cope with the fall out. (5) None of these

9. What impact has globalization had on India? (1) (2) (3) It has exacerbated the fall out of environmental degradation. Its economic benefits are not felt by all its citizens. India has ignored infrastructure development. Page 15 of 19

MOCK TEST PAPER FOR PO/TO/OJM -FEB 2011

(4) (5)

Professionals have left to seek better employment in foreign countries. None of these

10. Which of the following factors has contributed to global warming? (1) Failure to provide incentives to poor countries to implement environmental policies. (2) (3) Sanctioning tradable emission permits. Environmental policies adopted by rich countries have not been successful in middle income countries. (A) (B) (C) (D) (E) None Both (1) and (2) Only (3) Both (1) and (3) None of these

Q.2. Choose the correct meaning of the following words in the context of the passage above. i) Abating: a) relaxing b) alleviating c) varying d) intensifying

ii) Stake: a) perspective iii) Provoke: a) cause b)inspire c) irritate d) tempt b) support c)gamble d) share

Q.3: Choose the correct antonym for the following words: i) propel: a) Sanction ii) Emulate: a) copy b) fake c) replace d) originate b) collapse c) discourage d) deplete

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CORRESPONDENCE (10 Marks)

You have taken the charge of relationship manager at a branch where the problem of staff shortage is always there. You have not taken the charge from any one because the person who was a relationship manager at that branch has been promoted and relieved six months before .since then there was nobody to look after his job due to which some top HNI have shifted their deposits from your branch. Six days back you received a letter from RBO that you have shown negative growth in deposits of 10% compared with the figures six months earlier. Write a letter to your controller on behalf of your branch manager explaining the position with the steps you have taken to take care of the position.

Case Studies/Situational analysis: (Each question carries 12 marks)

01.A newly confirmed probationary officer has been posted as an Asst. Manager (adv) in your branch. In your branch, the post dated cheques for the loan repayment are there in heaps without proper arrangement or plan. The new official is very new to advances and as a branch manager how you will advise him to streamline the process for efficient follow up of these repayments

02. You are the branch manager of a branch which is situated in an extremist area .your accountant has received a letter threatening that he has to give Rs.10 lacs if not they will kill him. He has feared and came to you and asks you for sanction him leave for a week. The local unit of officers association also asks you for protection to the staff. Please discuss the situation and what will you do?

03. A customer has availed kisan credit card limit from your branch. The limit was recently renewed and is a regular account. He has availed PAIS. The premiums are paid at regular intervals. Suddenly the borrower encountered with an accident and found that he has completely lost his left hand and is disabled. a) Will he get claim under PAIS. What are the salient features of the scheme? b) How will you help him? c) What is the claim amount he will get from PAIS?

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04.The following is the balance sheet of a Pvt. Ltd. company as on 31st March,2010 Liabilities Deposits with suppliers Sundry creditors Cash credit loan Rent to be paid Term loan 100 600 500 100 250 Assets cash on hand cash at bank stock on hand sundry debtors Prepaid expenses (Rs.in thousand) 15 35 1100 400 50

(Rs50,000/- payable within a year) Capital 400 fixed assets(after deducting accumulated depreciation of Rs1,00,000/-) Reserves 100 Term deposits 200 200

Discount Receivables 50 Total 2050 Total 2050

i) What is the Current ratio? ii) What is debt equity ratio? iii) What is Gross block? iv) What is Net Working Capital? v) What is Working Capital Gap?

05. Income tax officials have come for search and seizure of locker, what is your role as branch manager? GIVE RATIONALES (Each Question carries 2 marks)

01. Total reliance on Balance sheet analysis is not desirable while appraising loan proposal.

02. Our bank decided to discontinue non home transaction register with immediate effect.

03. SBI Surakshit Home Loan: Home Loans With Life Cover is introduced by the Bank.

04.Bank enhanced cutoff limit for double signature in IOI instruments from 50,000/- to 1,50,000/- wef 01.12.2010. 05. SLR is being revised in phases. MOCK TEST PAPER FOR PO/TO/OJM -FEB 2011 Page 18 of 19

06. Before sanctioning personal Loans under Xpress credit, verification of residential / office address, telephone numbers, IT returns is must.

07. Our Bank enhanced the upper cap on Personal Gold Loan limit from Rs.3.00 lac to Rs.10.00 lacs.

08.Agl. advances under NABARD approved scheme preferred by Bank.

09. Retail Scoring Models are introduced in Personal Banking Advances.

10. Credit policy is reviewed twice in a year.

11. Our bank introduced improved competitive pricing in Agriculture Finance up to 31.03.2011.

12. Periodical review/renewal of Working Capital advances is done 13. Bank Guarantees should be classified properly 14. In case of gold loan D.P. note are taken. 15. A new product named SBI Yuva Home Loan is launched. 16. Margin retained on advance against goods. 17. Our bank launched Operation Sampark 18.Insurance policy for pledged goods should be taken in the name of borrower and the bank. 19. Focused attention is given to Quick Mortality accounts. 20. Bank has been allowed to raise Capital from market.

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