Vous êtes sur la page 1sur 46

VERBAL ABILITY AND READING COMPREHENSION

1. In the following 4 sentences, 3 of them when placed in appropriate order would


form a contextually complete paragraph. Pick the statement that is not part of the
context.
1. Goenka was once described as a paper cannon that fired in eight directions.
2. Ramnath Goenka was proprietor of the second biggest newspaper chain after
the Times of India.
3. His editors toppled A R Antulay, the chief minister of Maharashtra, in a cement
scandal.
4. He was criticized for using his paper to fight his friends battles.
2. In the following 4 sentences, 3 of them when placed in appropriate order would
form a contextually complete paragraph. Pick the statement that is not part of the
context.
1. No one can beat Hollywood when it comes to making films with animals in them.
2. I remember a film in my childhood- and there were quite a few of them - that had
an Alsatian called Tin-tin-tin.
3. The dogs acting was more impressive than a humans.
4. Their owners could easily make as much as a hundred thousand rupees from just
one film.
3. In the following 4 sentences, 3 of them when placed in appropriate order would
form a contextually complete paragraph. Pick the statement that is not part of the
context.
1. Eating at the Student Center is a pleasant experience.
2. The atmosphere is calm with many happy young people talking and laughing.
3. There are many different kinds of food like hamburgers, tacos and pizza.
4. The food is excellent, well prepared and it tastes delicious.
4. In the following 4 sentences, 3 of them when placed in appropriate order would
form a contextually complete paragraph. Pick the statement that is not part of the
context.
1. The benefits of social networking websites have the potential to outweigh the
dangers of such websites.
2. While social networking does curb real life interaction with one's peers, it also
provides shy,introverted, or socially awkward youth with a new avenue of
communication that often makesit easier to connect and form relationships.
3. Sites like Facebook also give people the opportunity to build a larger network of
support.
4. There are a large number of risks and downfalls associated with social
networking,
Read the passage carefully and answer the questions given at the end of
each passage.
Kodak decided that traditional film and prints would continue to dominate through

the 1980s and that photo finishers, film retailers, and, of course, Kodak itself could
expect to continue to occupy their long held positions until 1990. Kodak was right
and wrong. The quality of digital camera has greatly improved. Prices plunged
because the cameras generally followed Moores Law, the famous prediction by Intel
Co-founder Gordon Moore in the 1960s that the cost of a unit of computing power
would fall by 50 percent every eighteen to twenty-fourmonths.Cameras began to be
equipped with what the industry called removable media-those little cards that hold
the pictures. So pictures were easier to print or to move to other devices, such as
computers. Printers improved and theircosts dropped too The Internet caught the
popular imagination, and people began e-mailing each other pictures rather than
print them. Kodak did little to ready itself for the onslaught of digital technology
because it consistently tried to hold on to the profits from its old technology and
underestimated the speed with which the new would take hold. Kodak decided it
could use digital technology to enhance film, rather than replace it. Instead of
preparing for the digital world, Kodak headed off in a direction that cost is deadly. In
1988, Kodak bought sterling drug for $5.1 billon. Kodak had decided it was really a
chemicals business, not a photography company. So, Kodak reasoned, It should
move into adjacent chemical markets, such as drugs. Well, chemically treated photo
paper really isnt that similar to hormonal agents and cardiovascular drugs. The
customers are different. The delivery channels are different. Kodak lost its shirt. It
sold sterling in pieces in 1994 for about half the original purchase price. George
M.C. Fisher was the new CEO of Kodak in 1993. Fishers solution was to hold on to
the film business as long as possible, while adding a technological veneer to it. For
instance, he introduced the Advantix Preview camera, a hybrid of digital and film
technology, Users took pictures the way they always had, and the images were
captured on film. Kodak spent more than $500 million developing Advantix, which
flopped.
Fisher also tried to move Kodaks traditional retail photo-processing systems into
digital world and in this regard installed tens of thousands of image magic kiosks.
These kiosks came just as numerous companies introduced inexpensive, highquality photo printers that people could use at home, which, in fact, is where
customers preferred to view their images and fiddle with them. Fisher also tried to
insert Kodak as an intermediary in the process of sharing images electronically. He
formed partnerships that let customers receive electronic versions of their photos
by e-mail and gave them access to kiosks that let them manipulate and reproduce
old photographs. You dont need Kodak to upload photos in your computer and email them. Fisher also formed a partnership with AOL called Youve Got Pictures.
Customers would have their film developed and posted online, where friends and
family could view them. Customers would pay AOL $7 for this privilege, on top of
the $9 paid for photo processing. However siteslike Snapfish were allowing pictures
to be posted online free. Fisher promised early on, that Kodaks digital-photography
business would be profitable by 1997. it wasnt. In 1997 Philippe Kahn led the
advent of cell phone cameras. With the cell phone camera market growth Kodak

didnt just lose out on more prints. The whole industry lost out on sales of digital
cameras, because they became just a feature that was given away free on cell
phones. Soon cameras became a free feature on many personal computers, too.
What had been so profitable for Kodak for so long-capturing images and displaying
them-was going to become essentially free.
In 1999 Fisher resigned and Carp became the new CEO. In 2000, Carps first year as
CEO, profit was about flat, at $1.41 billion. Carp, too, retired early, at the age of
fiftyseven. Carp had pursued Fishers basic strategy of enhancing the film
business to make it last as long as possible, while trying to figure out some way to
get recurring revenue from the filmless, digital world, but the temporizing didnt
work any better for Carp than it had for Fisher. Kodak talked, for instance, about
getting customers to digitize and upload to the Internet more of the 300 million rolls
of film that Kodak processed annually, of 2000. Instead customers increasingly
skipped the part. In 2002, sales of digital cameras in the United States passed those
of traditional cameras-even though Kodak in the mid-1990s had projected that it
would take twenty years for digital technology to eclipse film. The move to digital in
the 2000s happened so fast that, in 2004, Kodak introduced a film camera that won
a camera of the year award yet was discontinued by the time Kodak collected the
award. Kodak staked out a position as one of the major seller of digital cameras, but
being one of is a lot different from owning 70 percent to 80 percent of a market,
as Kodak had with film, chemicals, and processing. In 2002 competition in the
digital market was so intense that Kodak lost 75 percent of its stock-market value
over the past decade, falling to a level about half of what was when the reporter
suggested to Carp that he might sell the company. As of 2005. Kodak employed less
than a third of the number who worked for it twenty years earlier. To see what might
have been, look at Kodaks principal competitors in the film and paper markets.
Agfa temporized on digital technology, then sold its film and paper business to
private-equity investors in 2004. The business went into bankruptcy proceedings
the following year, but that wasnt Agfas problem. It had cash put at a halfway
reasonable price.

5. As per the passage which of the following statement truly reflects the real
theme of the passage?

6.

Which of the following statements is not true?

I. Kodak bought sterling drug as a strategic choice for a chemical business as it was
already in the business of chemically treated photo paper.
II. The chemical business was in sync with the existing business of Kodak running
across the customer segment, delivery channels and the regulatory environment
III. Kodak committed a mistake by selling sterling in pieces at a loss of 50%.
IV. Kodaks diversification attempt with purchase of sterling to strengthen its core
business and shift to digital world was a shift from its strategic focus.

7. Kodak lost a big piece of its market share to its competitors because of the
following best explained reason.
I. When Carp became the CEO the digital technology eclipsed film technology
business and further Carp had been with the company for twenty nine years and
had no background in technology.
II. Carp in 2004 introduced a film camera that won camera of the year award, yet it
was discontinued by the time Kodak collected the award.
III. Kodak moved from traditional retail photo processing systems into digital world
installing several thousands of image magic kiosks that failed to deliver real
benefits to the customers.
IV. Phillip Kahn led the advent of cell phone camera and Kodak lost out on the print
business and ability to share images became a free feature with no additional
charge.

8. Arrange the given statements in the correct sequence as they appear in the
passage.
I. Kodak lost to its competitors a big pie of its market share.
II. Kodak ventured into chemical to strengthen its digital technology business.
III. Kodak downsized its workforce drastically.
IV. Kodak tied up with business firms for photo processing.

9.

Match the following.

a. Preview cameras that helped


1.
users to immediately see the
Intel
pictures taken
2.
b. Photo processing, developing
Fish
and posting online photos
er
3.
c. Lead to insolvency of digital
AOL technology business
4.
d. Price of technology product
Agfa reduces to half every year or two.

People are continually enticed by such hot performance, even if it lasts for brief
periods. Because of this susceptibility, brokers or analysts who have had one or two
stocks move up sharply, or technicians who call one turn correctly, are believed to
have established a credible record and can readily find market followings. Likewise,
an advisory service that is right for a brief time can beat its drums loudly. Elaine
Garzarelli gained near immortality when she purportedly called the 1987 crash.

Although, as the market strategist for Shearson Lehmar, her forecast was never
published in a research report, nor indeed communicated to its clients, she still
received widespread recognition and publicity for this call, which was made in a
short TV interview on CNBC. Still, her remark on CNBC that the Dow could drop
sharply from its then 5300 level rocked an already nervous market on July 23, 1996.
What had been a 40-point gain for the Dow turned into a 40-point loss, a good deal
of which was attributed to her comments.
The truth is, market-letter writers have been wrong in their judgments far more
often than they would like to remember. However, advisors understand that the
public considers short-term results meaningful when they are, more often than not,
simply chance. Those in the public eye usually gain large numbers of new
subscribers for being right by random luck. Which brings us to another important
probability error that falls under the broad rubrics of representativeness. Amos
Tvesky and Daniel Kahneman call this one the law of small numbers. The
statistically valid law of large numbers states that large samples will usually be
highly representative of the population from which they are drawn; for example,
public opinion polls are fairly accurate because they draw on large and
representative groups. The smaller the sample used, however (or the shorter the
record), the more likely the findings are chance rather than meaningful. Yet the
Tversky and Kahneman study showed that typical psychological or educational
experimenters gamble their research theories on sample so small that the results
have a very high probability of being chance. This is the same as gambling on the
single good call of an advisor. The psychologists and educators are far too confident
in the significance of results based on a few observations or a short period of time,
even though they are trained in statistical techniques and are aware of the dangers.
Note how readily people over generalize the meaning of a small number of
supporting facts. Limited statistical evidence seems to satisfy our intuition no
matter how inadequate the depiction of reality. Sometimes the evidence we accept
runs to the absurd. A good example of the major overemphasis on small numbers is
the almost blind faith investors place in governmental economic releases in
employment, industrial production, the consumer price index, the money supply,
the leading economic indicators etc. These statistics frequently trigger major stockand bond market reactions, particularly of the news that are bad. Flash statistics,
more times than not, are near worthless. Initial economic and better information
flows in. Thus, an increase in the money supply can turn into a decrease, or a large
drop in the leading indicators can change to a moderate increase. These revisions
occur with the skepticism they deserve. Alas, the real world refuses to follow the
textbooks. Experience notwithstanding, investors treat as gospel all authoritativesounding releases that they think pinpoint the development of important trends. An
example of how instant news threw investors into a tailspin occurred in July of 1996.
Preliminary statistics indicated the economy was beginning to gain steam. The flash
figures showed that GDP (gross domestic product) would rise at 3% rate in the next

several quarters, a rate higher than expected. Many people, convinced by these
statistics that rising interest rates were imminent, bailed out of the stock market
that month. To the end of that year, the GDP growth had been revised down
significantly (unofficially, a minimum of a dozen times and officially at least twice).
The market rocketed ahead to new highs in August 1997, but a lot of investors had
retreated to the sidelines on the preliminary bad news. The advice of a world
champion chess player when asked how to avoid making a bad move was: Sit on
your hands. But professional investors dont sit on their hands: they dance on
tiptoe, ready to flit after the least particle of information as if it were a strongly
documented trend. The law of small numbers, in such cases, results in decisions
sometimes bordering on the inane. Tversky and Kahnemans findings, which have
been repeatedly confirmed, are particularly important to our understanding of some
stock market errors and lead to another rule that investors should follow.

10. Which statement does not reflect the true essence of the passage
I. Tvetsky and Kahneman understood that small representative groups bias the
research theories to generalize results that can be categorized as meaningful result
and people simplify the real impact of passable potrayal of reality by small number
of supporting facts.
II. Governmental economic releases on macroeconomic indicators fetch blind faith
from investors who appropriately discount these announcements which are ideally
reflected in the stock and bond market prices.
III. Investors take into consideration myopic gain and make it meaningful
investment choice and fail to see it as a chance of occurrence.
IV. Irrational overreaction to key regulators expressions is same as intuitive
statistician stumbling disastrously when unable to sustain spectacular performance.

11. The author of the passage suggests the anomaly that leads to systematic
errors in predicting future. Which of the following statement does not best describe
the anomaly as suggested in the passage above?
I. The psychological pressures account for the anomalies just like soothsayers
warning about the doomsday and natural disasters and market crashes.
II. Contrary to several economic and financial theories investors are not good
intuitive statistician, especially under difficult conditions and are unable to calculate
the odds properly when making investment choices.
III. Investors are swamped with information and they react to this avalanche of data
by adopting shortcuts or rules of thumb rather than formally calculating odds of a
given outcome.
IV. The distortions produced by subjectively calculated probabilities are large,
systematic and difficult to eliminate even when investors are fully aware of them.

12. Tversky and Kahnemans findings.. lead to another rule that investors
should follow. Which rule is the author talking about?
I. Not to be influenced by short term and occasional record of a money manager,
broker, analysts, or advisor, no matter how impressive.
II. To accept cursory economic or investment news without significant substantiation
but supported by statistical evidence even if limited in data sufficiency.
III. In making decisions we become overly immersed in the details of a particular
situation and consider all the outcomes of similar experience in our past.
IV. None of the above.

13. According to the passage which statement written below is farthest in


explaining the meaning of the passage above?
I. Market letter writers have been wrong in their judgments many a times but they
continue to express their opinion as dramatic predictions and well-timed call results
in huge rewards to analysts, journalist and popular writers.
II. Public opinion polls are fairly accurate because they are based on randomly
selected diminutive representative groups and hence are more meaningful than
intuitive statistics of an outcome.
III. People generally limit the need for hefty statistical evidence as it satisfies their
intuition without reflecting the reality.
IV. None of the above.

When people react to their experience with particular authorities, those authorities
and the organizations that they represent often benefit if the people involved begin
with high levels of commitment to the organization or institution represented by the
authorities. First in his studies of peoples attitudes toward political and legal
institutions, Tyler found that attitudes after an experience with the institution were
strongly affected by prior attitudes. Single experiences influence post-experience
loyalty but certainly do not overwhelm the relationship between pre-experience and
post experience loyalty. Thus, the best predictor of loyalty after an experience is
usually loyalty before that experience. Second, people with prior loyalty to the
organization or institution judge their dealings with the organizations or institutions
authorities to be fairer than do those with less prior loyalty, either because they are
treated better or because they interpret equivalent treatment as fairer.
Although high levels of prior organizational or institutional commitment are
generally beneficial to the organization or institution, under certain conditions high
levels of prior commitment may actually sow the seeds of decided commitment.
When previously committed individuals feel that they were treated unfavorably or
unfairly during some experience with the organization or institution, they may show
an especially sharp decline in commitment. Two studies were designed to test this
hypothesis, which, if confirmed, would suggest that organizational or institutional
commitment has risks, as well as benefits. At least three psychological models offer

predictions of how individuals reactions may vary as a function of (1) their prior
level of commitment and (2)perceptions of how fairly they were treated during the
encounter. Favorability of the encounter is determined by the outcome of the
encounter and the fairness or appropriateness of the procedures used to allocate
outcome during the encounter. First, the instrumental prediction is that because
people are mainly concerned with receiving desired outcomes from their encounter
with organizations, changes in their level of commitment will depend primarily on
the favorability of the encounter. Second, the assimilation prediction is that
individuals prior attitudes predispose them to react in away that is consistent with
their prior attitudes.
The third prediction, derived from the group-value model of justice, pertains to how
people with high prior commitment will react when they feel that they have been
treated unfavorably or unfairly during some encounter with the organization or
institution. Fair treatment by the other party symbolizes to people that they are
being dealt with in a dignified and respectful way, thereby bolstering their sense of
self-identity and self-worth. However, people will become quite distressed and react
quite negatively if they feel that they have been treated unfairly by the other part of
the relationship. The group- value model suggests that people value the information
they receive that helps them to define themselves and to view themselves
favorably. According to the instrumental viewpoint, people are primarily concerned
with the more material or triangle resources received from the relationship.
Empirical support for the group-value model has implications for a variety of
important issues, including the determinants of commitment, satisfaction,
organizational citizenship, and rule following. Determinants of procedural fairness
include structural or interpersonal factors. For example structural determinants
refer to such things as whether decisions were made by neutral, fact-finding
authorities who used legitimate decision- making criteria. The primary purpose of
the study was to examine the interactive effect of individuals (1) commitment to an
organization or institution prior to some encounter and (2)perceptions of how fairly
they were treated during the encounter and (2) perceptions of how fairly they were
treated during the encounter, on the change in their level of commitment. A basic
assumption of the group-value model is that people generally value their
relationships with people, groups, organizations, and institutions and therefore
value fair treatment from the other party to the relationship. Specifically, highly
committed members should have especially negative reactions to feeling that they
were treated unfairly, more so than (1) less-committed group members or (2) highly
committed members who felt that they were fairly treated.
The prediction that people will react especially negatively when they previously felt
highly committed but felt that they were treated unfairly also is consistent with the
literature on psychological contracts. Rousseau suggested that, over time, the
members of work organizations develop feeling of entitlement, i.e, perceived
obligations that their employers have toward them. Those who are highly
committed to the organization believe that they are fulfilling their contract
obligations. However, if the organization acted unfairly, then highly committed
individuals are likely to believe that the organizations did not live up to its end of
the bargain.
14.

The hypothesis mentioned in passage tests at least one of the following ideas.

15. There is only one term in the left column which matches with the options given
in the second column. Identify the correct pair from the following table:
a. Instrument 1. Better outcome leads to more
al
commitment.
b. Assimilati 2. Prior belief is instrumental in deciding
on
about the post encountercommitment.
c. Groupvalue

3. Sense of value gets jeopardized that


lead to negative attitude.

d. Institution
4. Deals mainly with tangible outcomes.
al

16. For summarizing the passage, which of the following is most appropriate:

In the annuals of investing, Warren Buffett stands alone. Starting from scratch,
simply by picking stocks and companies for investment, Buffett amassed one of the
epochal fortunes of the twentieth century. Over a period of four decades more than
enough to iron out the effects of fortuitous rills of the dice, Buffett outperformed the
stock market, by a stunning margin and without taking undue risk or suffering a
single losing year. Buffet did this in markets bullish and bearish and through
economies fat and lean, from the Eisenhower years to Bill Clinton, from the 1950s to
the 1990s, from saddle shoes and Vietnam to junk bonds and the information age.
Over the broad sweep of postwar America, as the major stock averages advanced
by 11 percent or so a year, Buffet racked up a compounded annual gain of 29.2

percent. The uniqueness of this achievement is more significant in that it was the
fruit of old-fashioned, long-term investing. Wall streets modern financiers got rich
by exploiting their control of the publics money: their essential trick was to take in
and sell out the public at opportune moments. Buffett shunned this game, as well as
the more venal excesses for which Wall Street is deservedly famous. In effect, he
rediscovered the tart of pure capitalism, a cold-blooded sport, but a fair one. Buffet
began his career, working out ofhis study in Omaha in 1956. His grasp of simple
verities gave rise to a drama that would recur throughout his life. Long before those
pilgrimages to Omaha, long before Buffet had a record, he would stand in a corner
at college parties, baby-faced and bright-eyed, holding forth on the universe as a
dozen or two or his older, drunken fraternity brothers crowded around. A few years
later, when these friends had metamorphosed into young associates starting out on
Wall Street, the ritual was the same. Buffet, of the group, would plop himself in a
big, broad club chair and expound on finance while the others sat at his feet. On
Wall Street, his homespun manner made him a cult figure. Where finance was so
forbiddingly complex, Buffet could explain it like a general store clerk discussing the
weather. He never forgot that underneath each stock and bond, no matter
how arcane, there lay a tangible, ordinary business. Beneath the jargon of Wall
Street, he seemed to unearth a street from small-town America. In such a complex
age, what was stunning about Buffett was his applicability. Most of what Buffett did
was imitable by the average person (this is why the multitudes flocked to Omaha). It
is curious irony that as more Americans acquired an interest in investing, Wall Street
became more complex and more forbidding than ever. Buffett was born in the midst
of depression. The depression cast a long shadow on Americans, but the post war
prosperity eclipsed it. Unlike the modern portfolio manager, whose mind-set is that
of a trader Buffett risked his capital on the long term growth of a few select
businesses. In this, he resembled the magnates of a previous age, such as J P
Morgan Sr.
As jack Newfield wrote of Robert Kennedy, Buffett was not a hero, only a hope; not a
myth, only a man. Despite his broad wit, he was strangely stunted.when he went to
Paris, his only reaction was that he had no interest in sight-seeing and that the food
was better in Omaha. His talent sprang from his unrivaled independence of mind
and ability to focus on his work and shut out the world, yet those same qualities
exacted a toll. Once, when Buffett was visiting the publisher Katharine Graham on
Marthas Vineyard, a friend remarked on the beauty of the sunset. Buffett replied
that he hadnt focused on it, as though it were necessary for him to exert a
deliberate act of concentration to focus on a sunset. Even at his California
beachfront vacation home, Buffett would work every day for weeks and not go near
the water. Like other prodigies, he paid a price. Having been raised in a home with
more than its share of demons, he lived within an emotional fortress. The few
people who shared his office had no knowledge of the inner man, even after
decades. Even his children could scarcely recall a time when he broke through his
surface calm and showed some feeling. Though part of him is a showman or

preacher, he is essentially a private person. Peter Lynch, the mutual-fund wizard,


visited Buffett in the 1980s and was struck by the tranquility in his inner sanctum.
His archives, neatly alphabetized in metal filing cabinets, looked as files had in
another era. He had no armies of traders, no rows of electronic screens, as Lynch
did. Buffett had no price charts, no computer-only a newspaper clipping from 1929
and an antique ticker under a glass dome. The two of them paced the floor,
recounting their storied histories, what they had bought, what they had sold. Where
Lynch had kicked out his losers every few weeks, Buffett had owned mostly the
same few stocks for years and years. Lynch felt a pang, as though he had traveled
back in time. Buffetts one concession to modernity is a private jet. Otherwise, he
derives little pleasure from spending his fabulous wealth. He has no art collection or
snazzy car, and he has never lost his taste for hamburgers. He lives in a
commonplace house on a tree-lined block, on the same street where he works. His
consuming passion, and pleasure- is his work, or as he calls It, his canvas. It is there
that he revealed the secrets of his trade, and left a self-portrait.
17. saddle shoes and Vietnam, as expressed in the passage, refers to:
I. Dernier cri and Vietnam war
II. Growth of leather footwear industry and Vietnam shoe controversy
III. Modern U.S. population and traditional expatriates
IV. Industrial revolution and Vietnam Olympics
V. Fashion and Politics

.
18. Identify the correct sequence:
I. Depression -> Eisenhower -> Microsoft
II. California -> New York -> Omaha
III. J.P.Morgan -> Buffett -> Bill gates
IV. Mutual funds ->Hedge Funds -> Brokers

19. Choose the most appropriate answer: according to the author, Warren Buffett
was
I. Simple and outmoded
II. Against planned economy and technology
III. Deadpan
IV. Spiritually raw

Public sector banks (PSBs) are pulling back on credit disbursement to lower rated
companies, as they keep a closer watch on using their own scarce capital and the
banking regulator heightens its scrutiny on loans being sanctioned.
Bankers say the Reserve Bank of India has started strictly monitoring how banks are
utilizing their capital. Any big-ticket loan to lower rated companies is being
questioned. Almost all large public sector banks that reported their first quarter
results so far have showed a contraction in credit disbursal on a year-to-date basis,
as most banks have shifted to a strategy of lending largely to government -owned
"Navratna" companies and highly rated private sector companies. On a sequential
basis too, banks have grown their loan book at an anaemic rate.
To be sure, in the first quarter, loan demand is not quite robust. However, in the first
quarter last year, banks had healthier loan growth on a sequential basis than this
year. The country's largest lender State Bank of India grew its loan book at only
1.21% quarter -on-quarter. Meanwhile, Bank of Baroda and Punjab National Bank
shrank their loan book by 1.97% and0.66% respectively in the first quarter on a
sequential basis.

Last year, State Bank of India had seen sequential loan growth of 3.37%, while Bank
of Baroda had seen a smaller contraction of 0.22%. Punjab National Bank had seen
a growth of 0.46% in loan book between the January-March and April-June quarters
last year.
On a year-to-date basis, SBI's credit growth fell more than 2%, Bank of Baroda's
credit growth contracted 4.71% and Bank of India's credit growth shrank about 3%.
SBI chief Arundhati Bhattacharya said the bank's year-to-date credit growth fell as
the bank focused on
A rated customers,about 90% of the loans in the quarter were given to high-rated
companies. "Part of this was a conscious decision and part of it is because we
actually did not get good fresh proposals in the quarter," Bhattacharya said.
According to bankers, while part of the credit contraction is due to the economic
slowdown, capital constraints and reluctance to take on excessive risk has also
played a role. "Most of the PSU banks are facing pressure on capital adequacy. It is
challenging to maintain 9% core capital adequacy. The pressure on monitoring
capital adequacy and maintaining capital buffer is so strict that you cannot grow
aggressively," said RupaRegeNitsure, chief economist at Bank of Baroda.
Nitsure said capital conservation pressures will substantially cut down "irrational
expansion of loans" in some smaller banks, which used to grow at a rate much
higher than the industry average. The companies coming to banks, in turn, will have
to make themselves more creditworthy for banks to lend. "The conservation of
capital is going to inculcate a lot of discipline in both banks and borrowers," she
said.
For every loan that a bank disburses, some amount of money is required to be set
aside as provision. Lower the credit rating of the company, riskier the loan is
perceived to be. Thus, the bank is required to set aside more capital for a lower
rated company than what it otherwise would do for a higher rated client. New
international accounting norms, known as Basel III norms, require banks to maintain
higher capital and higher liquidity. They also require a bank to set aside "buffer"
capital to meet contingencies. As per the norms, a bank's total capital adequacy
ratio should be 12% at any time, in which tier-I, or the core capital, should be at 9%.
Capital adequacy is calculated by dividing total capital by risk -weighted assets. If
the loans have been given to lower rated companies, risk weight goes up and
capital adequacy falls.
According to bankers, all loan decisions are now being assessed on the basis of the
capital that needs to be set aside as provision against the loan and as a result, loans
to lower rated companies are being avoided. According to a senior banker with a
public sector bank, the capital adequacy situation is so precarious in some banks

that if the risk weight increases a few basis points, the proposal gets cancelled. The
banker did not wish to be named. One basis point is one hundredth of a percentage
point. Bankers add that the Reserve Bank of India has also started strictly
monitoring how banks are utilising their capital. Any big -ticket loan to lower rated
companies is being questioned.
In this scenario, banks are looking for safe bets, even if it means that profitability is
being compromised. "About 25% of our loans this quarter was given to Navratna
companies, who pay at base rate. This resulted in contraction of our net interest
margin (NIM)," said Bank of India chairperson V.R. Iyer, while discussing the bank's
first quarter results with the media. Bank of India's NIM, or the difference between
yields on advances and cost of deposits, a key gauge of profitability, fell in the first
quarter to 2.45% from 3.07% a year ago, as the bank focused on lending to highly
rated customers.
Analysts, however, say the strategy being followed by banks is short-sighted. "A
high rated client will take loans at base rate and will not give any fee income to a
bank. A bank will never be profitable that way. Besides, there are only so many PSU
companies to chase. All banks cannot be chasing them all at a time. Fact is, the
banks are badly hit by NPA and are afraid to lend now to big projects. They need
capital, true, but they have become risk-averse," said a senior analyst with a local
brokerage who did not wish to be named.
Various estimates suggest that Indian banks would require more than Rs. 2 trillion of
additional capital to have this kind of capital adequacy ratio by 2019. The central
government, which owns the majority share of these banks, has been cutting down
on its commitment to recapitalize the banks. In 2013-14, the government infused
Rs. 14,000 crore in its banks. However, in 2014-15, the government will infuse just
Rs. 11,200 crore.

20. Which of the following statements is correct according to the passage?

21. Which of the following cannot be concluded from the passage?

22. Based on the information given in the passage, which of the following is a likely
outcome of lending to highly rated customers?

Directions for questions: Read each of the short passages given below and
answer the question that follows.
The pressure on Italy's 257 jails has been increasing rapidly. Those jails are old and
overcrowded. They are supposed to hold up to 43,000 people---9,000 fewer than
now. San Vittore in Milan, which has 1,800 inmates, is designed for 800. The number
of foreigners inside jails has also been increasing. The minister in charge of prisons
fears that tensions may snap, and so has recommended to government an amnesty
policy.
23. Which one of the following, if true, would have most influenced the
recommendation of the minister?

Directions for questions: Read each of the short passages given below and
answer the question that follows.
The offer of the government to make iodised salt available at a low price of one
rupee per kilo is welcomed, especially since the government seems to be so
concerned about the ill effects of non iodised salt. But it is doubtful whether the
offer will actually be implemented. Way back in 1994, the governments three
experimental methods for reducing the costs of iodisation to about five paise per
kilo were reported. But these reports have remained just those-reports on paper.

24. Which one of the following, if true most weakens the author's contention that it
is doubtful whether the offer will be actually implemented?

Directions for questions: Read each of the short passages given below and
answer the question that follows.
The cotton farms of Country Q became so productive that the market could not
absorb all that they produced. Consequently, cotton prices fell. The government
tried to boost cotton prices by offering farmers who took 25 percent of their cotton
acreage out of production, direct support payments up to a specified maximum per
farm.
25. The governments program, if successful, will not be a net burden on the
budget. Which of the following, if true, is the best basis for an explanation of how
this could be so?

Directions for questions: Read each of the short passages given below and
answer the question that follows.
26. Directions: In the following 4 sentences, 3 of them when placed in appropriate
order would form a contextually complete paragraph. Pick the statement that is not
part of the context 1.
1. However, people depend on rain in most parts of the world for water.
2. Whenever it rained, dark clouds would cover the sky and block out the sun,
making the entire day seem dreary and gray.
3. If it rained on a chilly day, then the day seemed even colder and more
miserable thanbefore.
4. Meera did not like the rain.
DIRECTIONS for questions: Read the following passage carefully and
answer the questions independently.
A MOB attacked Alexander Aan even before an Indonesian court in June jailed him
for two and a half years for inciting religious hatred. His crime was to write God
does not exist on a Facebook group he had founded for atheists in Minang, a
province of the worlds most populous Muslim nation. Like most non-believers in
Islamic regions, he was brought up as a Muslim. And like many who profess
godlessness openly, he has been punished. In a handful of majority-Muslim
countries atheists can live safely, if quietly; Turkey is one example, Lebanon

another. None makes atheism a specific crime. But none gives atheists legal
protection or recognition. Indonesia, for example, demands that people declare
themselves as one of six religions; atheism and agnosticism do not count. Egypts
draft constitution makes room for only three faiths: Christianity, Judaism and Islam.
Sharia law, which covers only Muslims unless incorporated into national law,
assumes people are born into their parents religion. Thus ex-Muslim atheists are
guilty of apostasya hudud crime against God, like adultery and drinking alcohol.
Potential sanctions can be severe: eight states, including Iran, Saudi Arabia,
Mauritania and Sudan have the death penalty on their statute books for such
offences. In reality such punishments are rarely meted out. Most atheists are
prosecuted for blasphemy or for inciting hatred. (Atheists born to non-Muslim
families are not considered apostates, but they can still be prosecuted for other
crimes against religion.) Even in places where laws are lenient, religious authorities
and social attitudes can be harsh, with vigilantes inflicting beatings or beheadings.
Many, like Kacem el-Ghazzali, a Moroccan, reckon the only solution is to escape
abroad. The 23-year-old was granted asylum in Switzerland after people found out
he was the author of an anonymous blog, Atheistica.com. Even in non-Muslim lands
ex-believers are scared of being open, says Nahla Mahmoud, a 25-year-old
Sudanese atheist who fled to Britain in 2010. Muslim communities here dont feel
comfortable with having an ex-Muslim around, she says, noting that extremists
living in the West may harass non-believers there too.
Facebook groups for atheists, mostly pseudonymous, exist in almost every Muslim
country. Social media give non-believers more cloutbut also make them more
conspicuous, and therefore vulnerable. But the real blame lies with religious
intolerance. In the 1950s and 1960s secularism and tolerance prevailed in many
majority-Muslim countries; today religion pervades public and political life.
Sami Zubaida, a scholar at Londons Birkbeck College, speaks of
increasing polarisation, with growing religiosity at one end of the spectrum and
growing atheism and secularism at the other.
The rise to power of Islamist parties after the Arab revolutions is likely to make life
more miserable still for those who leave Islam. New rulers in Tunisia and Egypt have
jailed several young people who have been outspoken about their lack of belief.
Such cases occurred before the revolutions, but seem to have become more
common. Alber Saber Ayad, an Egyptian Christian activist who ran a Facebook page
for atheists, has been in custody since September for insulting religion. His
alleged offence was posting a link to an infamous YouTube video that caused
protests in the Islamic world that month. He was arrested by a Christian policeman:
Egypts Coptic church does not look kindly on atheism either.
The Arab upheavals and the growing number of open non-believers have sparked
some debate. In Egypt, Bassem Youssef, a doctor-cum-comedian, has bravely called
for discussion rather than hostility. Islam co-existed with pagans and atheists at the
height of its power, he writes. Some of the finest medieval Arabic and Persian poets
and grammarians were atheists (though several were also famously executed).
Young activists, albeit often exiled, such as MrGhazzali, have become more
vociferous about their right not to believe in a God. Organisations abroad for former

Muslims are increasingly active, too. The Council of Ex-Muslims of Britain, set up by
a group of non-believers five years ago, provides refuge for those who have
renounced Islam and tries to break the taboo about apostasy.
In a move hailed by campaigners, Kuwaits emir in June blocked a bill to make
apostasy a capital offence. Yet seeking secular laws or social tolerance ignores the
root of the problem, says IbnWarraq, the pseudonymous Indian-born author of
Leaving Islam, a collection of essays by ex-believers, and other books. He lives in
exile and has received death threats for campaigning on the behalf of apostates.
The prevailing interpretation of Islam, he says, simply cannot tolerate Muslim
unbelievers. Arguments for the death penalty are usually based on a Hadith, one of
the sayings which, along with the Koran, form the basis of Islamic law: The Prophet
said: whoever discards his religion, kill him.
Yet other texts have a different message. The Korans notably tolerant Sura 109
includes words such as For you is your religion, and for me is my religion.
Moderates also note that though the Koran says blasphemers will not be forgiven, it
does not mention the death penalty. Some argue that in Islams
early years apostasy was akin to treason, earning harsh penalties that are no longer
acceptable. Although some Islamic theologians interpret these provisions to mean
that apostates will be punished in the afterlife, most see them as ordering that
former Muslims must be punished by death. All four schools of Sunni Islamic law
teach that male apostates should be put to death, though two say that female
renegades should only be imprisoned. A number of leading Islamic figures, such as
Egypts grand mufti and Yusuf al-Qaradawi, a Qatar-based preacher, say that the
death penalty is deserved if the apostate subverts society or damages Islam. All
agree, however, that repentant apostates should be spared; the time and sincerity
needed for such disavowals to count is debated.
IbnWarraq says that the nub of the problem is that sharia makes atheism the
number one sin, ahead of murder. A theological debate on atheism has yet to begin.
Public opinion, though variable, tends to the censorious. A 2010 survey by the Pew
Research Centre, an American think-tank, found that 84% of Muslims in Egypt and
86% in Jordan backed the death penalty for apostates, compared with 51% in
Nigeria and 30% in Indonesia. Such attitudes may stoke atheist sentiment even as
they deter its expression. Ms Mahmoud recalls how her primary school teacher
punished her in art class for sketching a picture of Allah, which is forbidden in Islam.
With fewer rights than her male peers and annoyed by a ban on studying evolution,
she felt pushed away: These incidents made me gradually refuse Islam until I
completely renounced it and became an atheist.
27. Why has the passage been primarily authored?

28. Which of the following could be readily inferred from the passage about the
effect of harsh reaction to atheism in Islam?

29. Which of the following rightly describes the authors attitude towards the way
in which atheism is handled in Islam?

DIRECTIONS for questions: Read the information and answer the questions
carefully.
The man with passive aggressive behavior needs someone to be the object of his
hidden hostility. He needs an adversary whose expectations and demands he can
resist as he plays out the dance he learned from his parents. He chooses a woman
who will agree to be on the receiving end of his disowned anger. He resists her in
small ways setting up a pattern of frustration so that she gets to express the anger
that he cannot. The biggest irritant in being with a passive aggressive man is that
he doesnt follow through on his agreements and promises. He dodges responsibility
while insisting hes pulling his weight. He procrastinates, takes on big projects but
doesnt finish them then feels put upon or hostile if someone else tries to finish
them. He often ignores reality as to his irresponsibility and withdrawal. He denies
evidence, distorts, minimalizes or lies to make his version of reality seem logical. He
uses vague language to sandbag the partner. Inconsistency and ambiguity are his
tools of choice. He often gives double messages and expects his partner to read his
mind and meet his needs saying She should have known how it is. He withholds
information and has a hidden agenda. He cant take criticism and makes excuses to
get himself off the hook. He sulks and uses silence when confronted about his
inability to live up to his promises, obligations or responsibilities. When he doesnt
follow through, he puts the blame on his partner so he doesnt have to take it and
accuses her of having the problem. He may have multiple relationships with women
as a way of keeping distant from one fully committed relationship. He is confused
about which woman he wants and stays caught between the two women in his life
not being able to commit fully to either. He is confused and cant understand why
the women get so angry with him. He feels others demand too much of him so
resists in overt and subtle ways and feels deprived if he must give in to others. The

man who copes with conflict by not being there has strong conflict over
dependency. He desperately wants attention but fears being swallowed up by the
partner. He cant be alone and live without a woman in his life, but cant be with the
partner emotionally. Hes caught in a Catch 22wanting affection but avoiding it
because he fears it as his destruction. He resents feeling dependent on the woman
so must keep her off guard.He makes his partner feel like a nothing through his
neglect or irritability but he keeps her around because he needs her. His script is Be
here for me, but dont come too close and dont burden me with your needs or
expectations. He has such strong fears of intimacy deep in his unconscious mind so
he must set up barriers to prevent a deep emotional connection. He is clever at
derailing intimacy when it comes up by tuning out his partner and changing the
subject. He must withhold part of himself to feel safe and may withdraw. Closeness
and intimacy may make him feel vulnerable and panicked bringing forth his deepest
fears of dependency upon a woman. The passive aggressive man lives an internal
loneliness; he wants to be with the woman but stays confused whether she is the
right partner for him or not. He is scared and insecure causing him to seek contact
with a partner but too scared and insecure to fully commit.

30. Which of the following would be an apt theme for the passage?

31.

32. Why must a man with passive aggressive behavior set up barriers to prevent a
deep emotional connection with a woman?

33. DIRECTIONS for questions:Identify the correct sentence or sentences according


to Standard English grammar, usage, semantics, redundancy, punctuation, spelling
and style elements.
A. In a few minutes, when the clock strikes six, I shall have been waiting here for
three quarters of an hour.
B. By temperament, English are reserved, so they prefer to live in solitary houses.
C. Notwithstanding the adverse weather, the search party reached the highland
where the plane crashed.
D. Do you object to working late?
1.
2.
3.
4.

A and D
B only
A, B, C and D
A, C and D

34. DIRECTIONS for questions:Identify the correct sentence or sentences according


to Standard English grammar, usage, semantics, redundancy, punctuation, spelling
and style elements.
A. My spirit sank at the prospect of starting from the scratch again.
B. Golf is a kind of sport that calls to play all your power of concentration and focus.
C. After the match, she was tired and out of sorts.
D. Be careful, someone will trip on the cable.
1.
2.
3.
4.

A
B
A
C

and
and
and
and

B
C
D
D

DATA INTERPRETATION

1.

2.

3. The stake (in Rs.) in the bet between B and C is:


4. What is the total loss(in Rs.) of A?

5. Which of the following statements could be true?


(A) Only Arindam buys a medium size box of popcorn.
(B) Only Budhiraja buys a medium size box of popcorn.
(C) Only Eklavya buys a small box of popcorn.
Only (A)
Only (B)
Only (A) & (B)
Only( A) & (C)

6. All of the following statements must be false except:


The first person and the last person in the line buy a small box of popcorn.
The first person and the last person in the line buy a large box of popcorn.
The first two people in the line buy a medium box of popcorn.
The first two people in the line buy a large box of popcorn.
7. If the first person in the line buys the same size box of popcorn as the fifth
person in the line, then which of the following must be true?
(A) The fourth person in the line buys a large box of popcorn.
(B) The third person in the line buys a small box of popcorn.
(C) The second person in the line buys a jumbo box of popcorn.
Only (C)
Only (A) & (B)
Only (A) &(C)
All (A), (B) & (C)

8. If the first person in line buys the same size of box of popcorn as the fifth person
in line, then the position in line and the size of box purchased may be determined
for how many of the five people?

9. If there are no draws and till super-eight no higher ranked team loses to a lower
ranked team then which of the following cannot be the final match?

10. If in round one, in each match the lower ranked team beats the higher ranked
team and in super-eight, each higher ranked team beats each lower ranked team
than should be the other way round in the two rounds higher ranked team beating
lower ranked team in round one, and the lower ranked team beating higher ranked
team in super eight. Which of the following could be the final match?
I. Srilanka Vs New Zealand
II. New Zealand Vs West Indies
III. West Indies Vs South Africa
IV. Srilanka Vs West Indies

11. If there are no draws, what is the maximum number of matches a team can
win and still not qualify for the semi-final?
_____
12. What will be the total no. of matches played in the tournament?
__________
DIRECTIONS for the questions: Read the information given below and answer the
questions that follow.
Table shows the result of a survey conducted in five cities, during the month of
March 2006, in order to estimate the levels of satisfaction of youngsters about the
quality of Jeans of different brands available in show rooms in their cities.

In the above table: M = Male, F = Female.


Percentage of "Latest Fashion Aware (LFA)" of males and females (as a percentage
of total males/females from the above survey)
City

Fem Mal
ales es

Chandiga
50
rh

80

Bhopal

60

70

Visakhap
40
atnam

80

Trivandru 60

80

m
Jaipur

50

80

Each question given below defines two quantities, M and N, on the basis of the
information given, analyse the quantities M and N then;
Mark
Mark
Mark
Mark
Mark

1.
2.
3.
4.
5.

if
if
if
if
If

M is greater than N
N is greater than M
M is equal to N
the quantities cannot be compared based on the given data
one of M or N cannot be determined uniquely

13.
M = The sum of the maximum possible number of LFA Males and minimum possible
number of LFA Males surveyed in Bhopal, whose satisfaction level is 'average', with
the quality of Jeans.
N = The sum of the minimum possible number of LFA Females and maximum
possible number of LFA Females surveyed in Jaipur, whose satisfaction level is
'average' with the quality of Jeans.

14.
M = The maximum possible number of LFA Females surveyed in Visakhapatnam,
who have 'poor' level of satisfaction with the quality of Jeans.
N = The minimum possible number of LFA Males surveyed in Jaipur, who have 'good
level of satisfaction with the quality of Jeans.

DIRECTIONS for the questions: Answer the questions on the basis of the information
given below:
In 2006, Automart, a used car dealer, has a stock of 8 cars in its Pune outlet. The
new manager who joins it, finds that because of faulty record keeping of his
predecessor, only partial information is available.

All the cars are more than 1 year old.


It is known that half of the cars are diesel, the rest are petrol.
One of the petrol cars has been fitted with an LPG kit. This is also the car that has
run more km than all other cars.
The cheapest car is a petrol car.
No two cars were manufactured in the same year.
The Uno, which cannot run on LPG, is the oldest car.
One of the petrol cars, which has run less than 50,000 km, is two years old.
The newest car is the second most expensive.
15. Please indicate which of the statements is sufficient to answer the question that
follows.
The minimum number of km run by the Uno.
Statement I : The Uno has run more km than any diesel car.
Statement II : The cheapest car has run the second highest number of km.
16. Which of the following statements is definitely false?

17.
Of the following 4 statements, choose option(s) that cannot be inferred from the
above data and table.

.
18. If the sequence of a cycle followed by the company is B, C and finally A, then
what will be the total idle time of Finishing department in 8 hours?

19. If the sequence of a cycle followed by the company is B, C and finally A, then
what will be the total idle time of Finishing department in 8 hours?

DIRECTIONS for the questions: Read the passages and answer the questions based
on the information given.
A merchant ship was sighted and the pirates were closing in to attack when a giant
sea serpent was seen close to the pirate ship. Captain Lafoot quickly gave orders to
change course and approach what appeared to be an island that would serve as a
temporary refuge. What all hands thought to be terra firma was in reality a fish of
immense size known as an island fish. This monsters method was to float on the
surface, giving the appearance of an island, and engulf its unsuspecting prey as it
came near.
20. From the statements A to E find out how large the fish was and what was the
result of the encounter?
A. If the island fish were one or three leagues long and wide, then a freak cyclone
lifted the pirate ship and deposited it out of the reach of the giant fish.
B. If the island fish were not one or four leagues long and wide, then it was so large
and slow that it could not move quickly enough to catch the fleet pirate ship.
C. If the island fish were four leagues long and wide, then it had just consumed
three sailing ships and a whale, so was not interested in the pirate ship.
D. If a freak cyclone lifted the pirate ship and deposited it out of the reach of the

gigantic fish, then it was three leagues long and wide.


E. If the great fish had just consumed three sailing ships and a whale, so was not
interested in the pirate ship, then it was two leagues long and wide.
The fish was two leagues long and wide and too slow to catch the pirate ship.
The fish was four leagues long and uninterested.
The fish was four leagues long and it consumed the ship
Cannot be determined
21. DIRECTIONS for the questions: Read the passages and answer the questions
based on the information given.
During an uneventful period on the open sea, Captain Lafoot and his four mates
decided to try their skill with muskets. They placed target behind a forecastle and,
keeping score, they took turns shooting at it.
Based on the following statements A to E, what was Captain Lafoots rank?
A. Captain Lafoot did not rank third unless Red Beard ranked fifth.
B. If Long John ranked second, then Black Jack did not rank either first or third.
C. If Will Kidd did not rank first, then Red Beard ranked second and Long John ranked
fourth.
D. If Black Jack did not rank first, then Long John ranked second and
Captain Lafoot ranked fourth.
E. If Black Jack did not rank second, then neither did Captain Lafoot nor Red Beard,
unless Will Kidd ranked fourth.
First
Second
Fifth
Fourth

22. DIRECTIONS for the questions: Read the passages and answer the questions
based on the information given.
Captain Lafoot spied a merchant ship and prepared to give chase. Again the pirates
were interrupted, as a giant octopus rose from the depths and fastened its powerful
tentacles on the pirate ship. Just as the ship was about to be pulled beneath the
surface by the octopus, a further menace, the sea serpent, appeared. It attacked
the giant octopus, which released the pirate ship, enabling it to flee to safety. The
two monsters were so large and ferocious and the experience so frightening that, of
Captain Lafoot and his four mates, the hair on the heads of two of them turned
white.
From the statements A to F that follow, whose hair turned white?

A. If Will Kidds hair turned white, then Red Beards hair turned white.
B. If Black Jacks hair turned white, then Red Beards hair did not turn white.
C. If Long Johns hair turned white, then Captain Lafoots hair did not turn white.
D. Will Kidds hair turned white, if Captain Lafoots hair turned white.
E. If Red Beards hair turned white, then Long Johns hair did not turn white.
F. If Captain Lafoots hair did not turn white, then Black Jacks hair did not turn
white.

Lafoot& Black Jack


Red Beard only
Red Beard and Will Kidd
Cannot be determined

23. DIRECTIONS for the questions: Read the passages and answer the questions
based on the information given.
The ominous sight of the sea serpent, for a third time, caused the crew to prepare
for battle. As the monster reared its head alongside the ship, all hands fought
valiantly. The sea serpent was finally forced to retreat, and it fled the area. Among
the Captain and his four mates, two fought with muskets, two fought with cutlasses,
and one fought with a dagger.
Using the information given in sentences A to G, determine what was the weapon of
Captain Lafoot?
A. Long John fought using a musket, unless Will Kidd did not fight using a dagger.
B. Black Jack fought using a cutlass, unless Captain Lafoot did not fight using a
dagger.
C. If Red Beard fought using a musket, then Long John fought using a cutlass.
D. If Captain Lafoot did not fight using a cutlass, then Red Beard fought using a
cutlass and Long John fought using a dagger.
E. Will Kidd fought using a dagger, unless neither Red Beard nor Long John fought
using a cutlass.
F. If Will Kidd fought using a musket, then Captain Lafoot did not fight using either a
musket or a cutlass.
G. If Black Jack fought using a dagger, then neither Red Beard nor
Captain Lafoot fought using a cutlass.
Dagger
Cutlass
Musket

Cannot be determined
24

____________
DIRECTIONS for the questions: Read the information given below and solve the
questions based on it.
25
Seven friends A,B,C,D,E,F and G are addicted to messaging. No one sends the same
message to the sender and does not forward the same message twice. A forwards
to E and D, while D forwards to C, A and G. C, an eccentric guy, does not forward
any messages. E forwards to B who forwards to A and G. F forwards to C and A. G
forwards to D.
If D sends a message to his friends but not to C, who all do not receive that
message?
26
DIRECTIONS for the questions: Read the information given below and solve the
questions based on it.
Seven friends A,B,C,D,E,Fand G are addicted to messaging. No one sends the same
message to the sender and does not forward the same message twice. A forwards
to E and D, while D forwards to C,A andG. C, an eccentric guy, does not forward any
messages. E forwards to B who forwards to A and G. F forwards to C and A. G
forwards to D.
If B was the first one to receive a message from one of the friends, then till the time
there are no more forwards, how many differentpeople have received the message?
______
27. Seven friends A,B,C,D,E,F and G are addicted to messaging. No one sends the
same message to the sender and does not forward the same message twice. A
forwards to E and D, while D forwards to C, A and G. C, an eccentric guy, does not
forward any messages. E forwards to B who forwards to A and G. F forwards to C
and A. G forwards to D.
If instead of forwarding to G, D forwards his message to F, then who gets the most
messages if D starts?

28. DIRECTIONS for the questions: Answer the questions on the basis of the
information given below.
Snaffle, a card game is played as follows:
A deck of 52 playing cards is placed on a table and repeatedly shuffled in the

following manner.
First the top most card is drawn out and then replaced to occupy the 27th place
from the bottom, and then the bottom most card is drawn out and replaced to
occupy the 26th place from the top. Each time this set of operations is done, one
round of shuffling is said to be completed.
At which position will the card which was initially at the top of the deck be
immediately after the first 17 rounds of shuffling?

29.
Which of the following statements is true regarding the deck of cards immediately
after the first 26 rounds of shuffling?

The card that was initially at the top of the deck will be immediately next to the card that was
initially at the bottom of the deck.
The top 26 cards will become the bottom 26 cards, in the same order.
The bottom 26 cards will become the top 26 cards, in the reverse order.
None of the above

30.

31. Which group's cap would the 8th student in the Highenders group get?

32. The cap that was originally last in the Slumbers group would now belong to a
student of:

QUANTITATIVE ABILITY
1. What is the remainder when (12 + 32 + 52 + 72+................+ 972) is
divided by 4 ?
. 2. There are two tanks; tank-A and tank-B. Tank-A contains 48 litres of
liquid-A while tank-B contains 144 litres of liquid B. When x litres of
liquid from tank-A was interchanged with x litres of liquid from tank-B it
was observed that the percentage of liquid A in both the tank was same.
What is the value of x?
3. A survey shows that 63% of Indians like Milk whereas 76% like tea. If x
% of the Indians like both Milk and Tea, then____

4. One ticket is selected from 100 tickets numbered 00, 01, 02, 03,............., 98, 99.
If X is defined as sum of digits and Y as product of the digits, what is the probability
that X = 9, given Y = 0?

5. If a, b and c are all real numbers and a 2 + b2 + c (2b +c) = 2a (b +c), then which
of the following is definitely true?

6. What is the total number of different divisors including 1 and the number itself
that can divide the number 6400?___
7. Directions for questions: Answer the questions based on the following
information.
A milkman uses two identical tanks for adulterating the milk that he sells with
water. One of the tanks is completely filled with pure milk while the second one is
empty. He first transfers a certain arbitrary fraction of milk (say x, which is less than

1/2) from the first tank into the second and fills the first tank with equal amount of
water. He repeats this process once more and this time he makes sure that the
second tank is half full by the end of the process.
Which of the following statements is true regarding the concentration of milk in the
first tank?

8. Directions for questions: Answer the questions based on the following


information.
A milkman uses two identical tanks for adulterating the milk that he sells with
water. One of the tanks is completely filled with pure milk while the second one is
empty. He first transfers a certain arbitrary fraction of milk (say x, which is less than
1/2) from the first tank into the second and fills the first tank with equal amount of
water. He repeats this process once more and this time he makes sure that the
second tank is half full by the end of the process.
If the cost price of water is one-tenth that of milk and the milkman claims to sell the
milk at a profit of 20%, then what is his actual net profit percentage?
______

9.
A company is setting up its internal telephone network, and providing extension
numbers to each telephone. All numbers lie between 001 and 999 (both inclusive).
If a department has to have 8 consecutive extension numbers, all starting with 9,
how many possible options are there?____

10. If Sn = 27 72 + 29 69 + 31 66 + 33 63..... Up to n terms, then find p,


given Sp = 0.____

11.
A report has 20 sheets, each of 55 lines and each such line consists of 65
characters. If the report has to be retyped, with each sheet having 65 lines and
each line having 75 characters, the percentage reduction in the number of sheets is
closest to

12.
Out of 100 families in a neighborhood, 55 own radio, 75 own TV and 25 own VCR.
Only 10 families have all three of radio, TV and VCR and each VCR owner also has a
TV. If 25 families have only radio, the number of families having only TV is

13. A ship leaves on a long voyage. When it is 180 miles from the shore, a seaplane
whose speed is ten times that of the ship, is sent to deliver mail. How far from the
shore does the seaplane catch up with the ship in miles?

14.

In the figure above, AB = BC = CD = DE = EF = FG = GA. Then DAE is


approximately.

15.
How many numbers less than 104 and of the form a1a2 ... ak, where a1,a2, ..., ak are
digits from 0 to 9, are such that 0 < a 1< a2 ... <ak?

16. If the equation x3 - ax2+bx - a = 0 has three real roots, then it must be
the case that,

17. Directions for questions: These questions are based on the following data.
There are n taps numbered 1 to n, that can fill a tank, such that any tap (except the

first) numbered i (i n) working alone takes as much time to fill the empty tank as
all the taps numbered less than i would take working together.
If the fourth tap takes 40 minutes to fill the tank when working alone then the
eighth and the seventh tap would take how many minutes to fill the tank when
working together

18. Directions for questions: These questions are based on the following data.
There are n taps numbered 1 to n, that can fill a tank, such that any tap (except the
first) numbered i (i n) working alone takes as much time to fill the empty tank as
all the taps numbered less than i would take working together.
If the 14th tap can fill the tank at the rate of 1427 litres per hour then the 15thtap will
be able to fill the tank at a rate (in litres/hour) which is

19. Consider a rectangular grid of lines formed by m parallel lines intersecting n


parallel lines that are running perpendicular to them. How many different paths
along the grid are possible from the top right corner to the bottom left corner?
(where only downward and leftward motion is allowed)

20.

In the figure alongside, PQRS is a rectangle and QLMN is a square equal in


area to the rectangle such that QL is perpendicular to SQ. If SL measures
84 cm and the lengths of PQ and PS are whole numbers (when measured
in cm), what is the measure of SM (in cm) (Figure not drawn to scale)?

21. Directions for questions: These questions are based on the following data.
N = 1234567891011121314.......9989991000.
Find the remainder, when the number formed by the first thousand digits of N (from
the left) is divided by 16.
_________
22. Directions for questions: These questions are based on the following data.
N = 1234567891011121314.......9989991000.
Find the remainder when N is divided by 9.
_________

23. Directions for questions: These questions are based on the data given below:
The following five functions of x are defined for any real value of x.
f(x) = 1 h(x)
g(x) = 1 k(x)
h(x) = f(x) + 1
j(x) = g(x) + 1
k(x) = j(x) + 1
Find the value of

24.

Directions for questions: These questions are based on the data given below:

The following five functions of x are defined for any real value of x.
f(x) = 1 h(x)
g(x) = 1 k(x)
h(x) = f(x) + 1
j(x) = g(x) + 1
k(x) = j(x) + 1
Find the value of

25. There are two vertical flagposts, of heights 103 m and 203 m respectively,
which are d meters apart. Rahul randomly picks a point on the ground on the line
segment joining the feet of the two flagposts and observes the angles of elevation
of the two flagposts.
If d = 24 m, then what is the probability that Rahul will find both
the flagposts subtending an angle of at least 60?

26.

27. A number, P, leaves a remainder of 6 when divided by 11 but gives a


multiple of 11 when added to x, where x < 250. What is the least value
of P such that (P + 3x) is a multiple of 4?

28. What is the remainder when (4147)8 is divided by (9)10?

29. A team of 12 players, numbered 1 to 12, play a game of Turn


Around. They start by standing in a row, from left to right, in the
increasing order of their numbers. They stand such that the first and the
second players face each other and so do the third and the fourth, the
fifth and the sixth and so on. A move consists of several (i.e. more than
one) successively numbered players turning around simultaneously. What
is the minimum number of moves after which all the players can be facing
the same direction?

30. How many four-digit numbers, which are divisible by 15, are there
such that the number 15 occurs in them?

31. If (x + z) (x 2y + z) = (x z)2, where x, y and z are all real and


distinct, then

32. Mona and Sona start simultaneously from two towns, P and Q, towards
Q and P respectively at 8:00 a.m. R is a checkpost which is midway
between P and Q. Both Mona and Sona turn back towards their respective
starting points whenever they reach R and every time they reach their
starting points they turn back and return to R. If the speeds of Mona
and Sona are 45 km/hr and 60 km/hr respectively and PQ = 24 km, when
will they reach R at the same time?

33.

34.All Analysts are Engineers. One-third of all Engineers are Analysts. Half of all
Technicians are Engineers. Only one Technician is an Analyst. Eight Technicians are

Engineers. If the number of Engineers is 90, how many Engineers are neither
Analysts nor Technicians?

Vous aimerez peut-être aussi