IBPS Clerk English Language Questions with Answers Practice online test 5

Description: free IBPS Clerk English Language Questions with Answers Practice test 5 for IBPS Clerk Preliminary and Main online test Prepare bank Clerk banking mock exams adda

1 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled

Choose the word/group of words which is MOST SIMILAR in meaning to the word/ group of words printed in bold as used in the passage.
$Discrimination$
A.  description B.    insight
C.  revelation D.    distinction
E.    contradiction
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2 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled

Choose the word/group of words which is MOST SIMILAR in meaning to the word/ group of words printed in bold as used in the passage.
$Core$
A.  right B.    temporary
C.  central D.    vast
E.    burning
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3 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled

Choose the word/group of words which is MOST SIMILAR in meaning to the word/ group of words printed in bold as used in the passage.
$Stems$
A.  declines B.    moves
C.  extracts D.    trunks
E.    originates
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4 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled

Choose the word/group of words which is MOST OPPOSITE in meaning of the word/ group of words printed in bold as used in the passage.
$Exciting$
A.  repulsive B.    provocating
C.  interesting D.    useful
E.    elating
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5 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled

Choose the word/group of words which is MOST OPPOSITE in meaning of the word/ group of words printed in bold as used in the passage.
$Mitigate$
A.  allay B.    enhance
C.  relieve D.    waste
E.    vindicate
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6 . Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. Thenumber of that part is the answer. If there is 'No error', the answer is 5). (Ignore errors of punctuation, if any.)
1) Anand did the nation pride by winning the international chess championship / 2) five times at a time when / 3) India was faring miserably in / 4) international sporting events like the Olympics. / 5) No error
A.  1 B.    2
C.  3 D.    4
E.    5
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7 . Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. Thenumber of that part is the answer. If there is 'No error', the answer is 5). (Ignore errors of punctuation, if any.)
1) She has a lot of positivity about her / 2) and the employees see her as a compassionate woman / 3) who would handle issues from a human perspective / 4) not as a cold and robotic boss. / 5) No error
A.  1 B.    2
C.  3 D.    4
E.    5
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8 . Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. Thenumber of that part is the answer. If there is 'No error', the answer is 5). (Ignore errors of punctuation, if any.)
1) Israel is a highly developed agricultural economy, / 2) illustrated by its green fields and expensive infrastructure / 3) as well as by its migrant workforce / 4) that is in this sector largely from Thailand. / 5) No error
A.  1 B.    2
C.  3 D.    4
E.    5
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9 . Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. Thenumber of that part is the answer. If there is 'No error', the answer is 5). (Ignore errors of punctuation, if any.)
1) The transformation of the Indian Constitution over the years / 2) and its flexibility in adapting / 3) to changing needs constitute an area of / 4) great interest to scholars. / 5) No error
A.  1 B.    2
C.  3 D.    4
E.    5
explanation View Answer notepad Workspace report-error Report discuss Discuss in Forum
10 . Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. Thenumber of that part is the answer. If there is 'No error', the answer is 5). (Ignore errors of punctuation, if any.)
1) As she had an education of sorts, she managed to land a job / 2) that fetch her some money with which / 3) she paid rent and supported her in-laws / 4) who are landless agricultural workers. / 5) No error
A.  1 B.    2
C.  3 D.    4
E.    5
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