IBPS Bank Clerk CWE English Language Solved Paper (Held on 8-12-2013)

Directions (Q. 1-5) : Read each sentence to find out whether there is any grammatical mistake/ error in it. The error if any, will be in one part of the sentence. mark the number of the part with error as your answer. If there is ‘No error’, mark (E).

1. There are many insurance (A)/disputes nowadays because of (B)/most people do not fully (C)/understand the terms and conditions of their policies. (D)/ No error (E).

2. They have not fully considered (A)/the impact that relaxing (B)/these guidelines is likely (C)/ to have with the economy. (D)/ No error (E).

3. Had this notification (A)/been amended earlier, (B)/we could have stopped (C)/the transfer of funds. (D)/ No error (E).

4. We are yet starting (A)/offering this facility to (B)/our customers as we are (C)/awaiting approval from the Board. (D)/ No error (E).

5. The Chairmen of all large (A)/public sector banks met with (B)/senior RBI officials to give its (C)/Suggestions about implementing the new policy. (D)/ No error (E).

Directions (Q. 6-15) : Read the following passage carefully and answer the questions given below it. Certain words/phrases have been printed in bold to help you locate them while answering some of the questions.

The great recession hasn't been great for free trade. As unemployment has risen throughout the world, governments have become more focused on protecting their own industries than on promoting international commerce. The U.S., though typically an enthusiastic supporter of open markets, and uded ‘‘buy American’’ clauses in its stimulus package and propped up its failing auto industry with hand-outs.

But according to the Asian Development Bank (ADB), in the part of the world that was hit hardest by the trade crash-Asia, the number of Free-Trade Agreements (FTAs) signed by Asian countries has grown from just three in 2000 to 56 by the end of August 2009. Nineteen of those FTAs are among 16 Asian economies, a trend that could help the region become a powerful trading bloc.

The drive to lower trade barriers has taken on fresh urgency amid the recession. As Asian manufacturing networks become more intertwined— and as Asian consumers become wealthier—regional commerce is becoming critical to future economic expansion. Intraregional trade last year made up 57% of total Asian trade, up from 37% in 1980. In the past Asia produced for America and Europe, now Asia is producing for Asia.

Of course, Asia is still dependent on sales to the West. But FTAs could reduce the region's exposure to the United States by giving Asian companies preferential treatment in selling to Asian companies and consumers. These benefits could come with downsides, however. According to experts, FTAs create a ‘‘non-level playing field with advantages for Asian Countries’’. If the the most dynamically growing part of the global economy gives the U.S. restricted access it will impact global balance. Companies in countries like the United States left out of the trade pacts could face disadvantages when trying to tap fast-growing Asian markets. This, in turn, could have a negative impact on efforts to rebalance excessive debt in the U.S. and excessive savings in Asia. Still, the benefits of greater regional integration could prove powerful enough to overcome the roadblocks. In Asia, the only thing everyone agrees upon is business. If it does, the world economy may never be the same.

6. Which of the following is NOT TRUE in the context of the passage ?
(a) Political and economic rivalries between Asian countries are non-existent today.
(b) Asian countries hold America responsible for the recession and have imposed economic sanctions against the U.S.
(c) America has adopted a protectionist strategy after the recession.
(A) Only (a) (B) Only (b) and (c)
(C) Only (a) and (b) (D) Only (c)
(E) None of these

7. Which of the following describe expert predictions about trade pacts between Asian countries ?
(A) These will be beneficial and are likely to give rise to a common Asian currency.
(B) Tariffs will be lowered and bureaucratic regulations will become transparent.
(C) Widening of differences between participant and non-participant countries will hamper global stability.
(D) Regional conflicts will increase as competition and inequities between Asian nations will intensify.
(E) They are likely to be short-lived as it will be difficult to get participating nations to arrive at a consensus.

8. Which of the following has/have not been (an) impact(s) of the recession ?
(a) Various trade agreements signed between developed and Asian countries have not been honoured.
(b) The U.S. government has restructured the automobile industry.
(c) Regional conflicts in Asia have substantially reduced.
(A) Only (c) (B) Only (a)
(C) Only (a) and (b) (D) All (a), (b) and (c)
(E) None of these

9. What has given rise to the large number of trade agreements between Asian countries ?
(A) The need to insulate Asian economies from overexposure to the American economy.
(B) Angry reaction among Asian countries owing to America's protectionist policy
(C) The aim of empowering the poorer Asian economies and bring them on par with Western economies.
(D) The desire to achieve conditions conducive to global consensus on trade regulations and tariffs.
(E) Widespread panic in Europe and Asia as Asian economies are yet to recover from the recession.

10. What do the Asian Development Bank statistics indicate ?
(A) Asian economies are financially more sound than those of the developed world.
(B) The financial crisis impacted the West far more than it did Asia.
(C) Asian countries have aligned themselves on lines similar to the European Union.
(D) Western countries are sceptical about trading with developing countries.
(E) Asian countries have been actively opening their markets to one another.

11. What is the author trying to convey through the phrase ‘‘In the past Asia produced for America and Europe, now Asia is producing for Asia?’’
(A) The number of wealthy consumers in Asia outnumber those in America and Europe together.
(B) Asian countries do not support free trade and continue to trade among themselves despite the recession.
(C) Goods manufactured in Asian countries often fail to meet the standards set by developed countries.
(D) Asian countries no longer export to Western markets alone and now cater to Asian markets as well.
(E) Interregional trade barriers between Europe and Asia have weakened consider ably.

12. Which of the following can be said about the American economy in the context of the passage ?
(a) Most American companies have opted to withdraw from Asia.
(b) America's stand on free trade has altered because of the recession.
(c) The American economy is far too dependent on Asia for trade.
(A) Only (a) (B) Only (b)
(C) Only (c) (D) All (a), (b) and (c)
(E) None of these

13. Which of the following is most similar in meaning to the word ‘‘FRESH’’ as used in the passage ?
(A) Additional (B) Renewed (C) Original (D) Healthy (E) Modern

14. Which of the following is most opposite in meaning to the word ‘‘CRITICAL’’ as used in the passage ?
(A) Unimportant (B) Complimentary (C) Approval (D) Sale (E) Steady

15. According to the author what danger does creating an Asian trading bloc pose ?
(A) Political instability in Asia will rise as some countries are wealthier than others.
(B) American consumers have ceased their demend for Asian goods.
(C) Unemployment in Asian countries will rise as many plants will be forced to close down.
(D) It will alter the balance of power in the World with small Asian countries becoming most dominant.
(E) None of these

Directions (Q. 16-25) : In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested. One of which fits the blank appropriately. Find out the appropriate word in each case.

Seed quality is an (16) aspect of crop production. For ages, farmers have traditionally been selecting and (17) good quality seed, since it was in their interest to do so. They knew and understood the importance of quality seed in production. However, with the advent of green revolution technology, based. (18) on the high yielding dwarf varieties of wheat, and rice, mainstream thinking changed. Agricultural scientists, for reasons that remain (19), began to doubt, the ability of farmers to maintain seed quality (20). Aided by the World Bank, the Ministry of Agriculture launched a National Seeds Project in 1967. Under the project spread into three phases, seed processing plants were (21) up in nine states. Six states were covered under phase three. All that the huge processing plants were (22) to do was to provide ‘certified’ seeds of food crops, mainly self-pollinating crops, to farmers. In mid-1980s, the International Rice Research Institute (IRRI) in the Philippines concluded a study which (23) that there was hardly any difference in the crop yields from transplanted rice and from the crop sown by broadcasted seeds. One would wonder why, in the first instance, were the farmers, asked to (24) over to transplanting paddy ? The answer is simple— probably, to help the mechanical industries grow. Since rice, is the staple food in Asia, tractor sales could only grow if there was a way to move the machine in the rice fields. No wonder the sales of tractors, puddlers reapers and other associated (25) soared in the rice growing areas.

16. (A) established (B) created (C) set (D) wound (E) thought

17. (A) shift (B) make (C) turn (D) mull (E) switch

18. (A) maintaining (B) trusting (C) selling (D) processing (E) creating

19. (A) sell (B) equipments (C) people (D) techniques (E) creatures

20. (A) irrational (B) main (C) brilliant (D) important (E) empatheitc

21. (A) necessarily (B) exceptionally (C) primarily (D) regularly (E) truly

22. (A) renounced (B) showed (C) passed (D) negated (E) directed

23. (A) unexplained (B) doubt (C) some (D) true (E) sad

24. (A) himself (B) sometimes (C) proper (D) improve (E) themselves

25. (A) tried (B) mattered (C) meaning (D) supposed (E) expect

Directions (Q. 26-30) : Which of the phrases (A), (B), (C) and (D) given below should replace the phrase given in bold in the following sentence to make it meaningful and grammatically correct. If the sentence is correct as it is and no correction is required mark (D) as the answer.

26. It is too early to say how the impact the new tax will have on investors
(A) what impact (B) that the impact (C) how much impacts
(D) what are the impacts of (E) No correction required

27. Kindly ask his advice regarding the various health insurace policies presently available.
(A) him to advice that (B) regarding his advice (C) that he should advice
(D) about his advice (E) No correction required

28. Unfortunately many of our towns and cities do have more good transportation system.
(A) have a good (B) not have good (C) not have much good
(D) not having better (E) No correction required

29. It is necessary that we take any steps to reduce pollution soon.
(A) we should take every (B) we have taken no (C) us to take any
(D) we take some (E) No correction required

30. Banks charge differently rate of interest depending on the size of the loan.
(A) difference in rate of interests (B) differently what rate of interest
(C) different rates of interest (D) the different rate of interest
(E) No correction required

Directions (Q. 31-35) : Rearrange the following six sentences (a), (b), (c), (d), (e) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given below:
(a) With all the bid information being available and tracked online, corruption has considerably, reduced.
(b) Today, most i.e. over ninety-five percent household, in the city enjoy broad band connection.
(c) All city contracts are now bid for online.
(d) Over twenty years ago the city government, central government and he private sector made a concerted effort to shift the economy to include IT.
(e) As our cities to expand and become more complex, such a system will make governance more manageable.
(f) This level of connectedness has changed not only the city's economy but also how it is governed and how business is conducted.

31. Which of the following should be the LAST (SIXTH) sentence after rearrangement ?
(A) b (B) c (C) d (D) e (E) f

32. Which of the following should be the THIRD sentence after rearrangement ?
(A) a (B) c (C) d (D) e (E) f

33. Which of the following should be the FIRST sentence after rearrangement ?
(A) a (B) b (C) c (D) e (E) e

34. Which of the following should be the SECOND sentence after rearrangement ?
(A) a (B) b (C) c (D) d (E) f

35. Which of the following should be the FIFTH sentence after rearrangement ?
(A) a (B) b (C) c (D) d (E) e

Directions (Q. 36-40) : Each question below has two blanks each blank indicating that something has been omitted. Choose the set of words for each blank that best fits the meaning of the sentence as a whole.

36. Given that only seven percent of the country's labour force is in the organised sector, training options..........for the unorganized sectors should also be...........
(A) available, enhanced (B) absent, imporoved (C) lacking, sustained
(D) existing, restricted (E) offered, limited

37. Government initiatives and participation of many industrial houses in...........loans to the villagers have led to the...........of the farmers.
(A) providing, plight (B) disbursing, betterment (C) denying, revitalization
(D) subsidizing, suffering (E) taking, advancement

38. Many people.......genetically modified food but the reality is that all the food that we eat has been genetically modified naturally by thousands of years of :
(A) praise, manipulation (B) grow, mismanagement (C) criticize, farming
(D) avoid, experience (E) condemn, abuse

39. Indians will........one-fourth of total work force in the next five years but India needs to introspect whether its education system is........for these demographic dividends.
(A) become, adequate (B) consist, incompetent (C) constitute, unequipped
(D) represent, sound (E) comprise, prepared

40. Centre should.........ministries whose functions.............with the state ministries to save money deliver efficiency and avoid duplication of work.
(A) finish, differ (B) establish, contradict (C) constitute, matches
(D) abolish, overlap (E) block, vary

Answer :
1. (B) 2. (D) 3. (A) 4. (A) 5. (C) 6. (C) 7. (C) 8. (D) 9. (D) 10. (E)
11. (D) 12. (B) 13. (E) 14. (A) 15. (D) 16. (C) 17. (E) 18. (B) 19. (A) 20. (D)
21. (C) 22. (B) 23. (A) 24. (D) 25. (E) 26. (A) 27. (E) 28. (C) 29. (D) 30. (C)
31. (D) 32. (E) 33. (D) 34. (B) 35. (A) 36. (A) 37. (B) 38. (C) 39. (E) 40. (A)