IBPS

BANK CLERK

CRP-XII

COMMON RECRUITMENT PROCESS

PRELIMINARY EXAM

48 SETS

40 MODEL PRACTICE SETS 08 MODEL SOLVED PAPERS (2019-2021)

FOR FRANCHISEE CONTACT :

RU-67, PITAMPURA, DELHI-110034, Ph : 9821874015, 9821643815 ICPWE-1

Delhi : RU-67, Opposite Power House, Pitampura, Delhi-110034, Ph. : 9821874015, 9821643815 Email : [email protected] www.kiranprakashan.com

For the books & magazines of Kiran Prakashan contact your nearest booksellers. Fo r d etailed info rm atio n lo g on o u r w ebsite : w w w.kiranprakash an.c om

© KIRAN INSTITUTE OF CAREER EXCELLENCE PVT. LTD. (KICX) NEW EDITION The copyright of this book is entirely with the Kiran Institute of Career Excellence Pvt. Ltd. The reproduction of this book or a part of this will be punishable under the Copyright Act. All disputes subject to Delhi jurisdiction. Every possible effort has been made to ensure that the information contained in this book is accurate at the time of going to press, and the publishers and authors cannot accept responsibility for any errors or omissions, however caused. No responsibility for loss or damage occasioned to any person acting, or refraining from action, as a result of the material in this publication can be accepted by the editor, the publisher or any of the authors. Price : Rs.

585.00 (Rupees Five Hundred and Eighty Five Only)

Compiled by : Think Tank of PRATIYOGITA KIRAN, KIRAN PRAKASHAN & KICX Assistance :

● Rakesh Kumar ● Govind Pd. Singh ● Sanket Sah ● Auranjeb Khan

Design & Layout by : KICX COMPUTER SECTION, New Delhi. Printed at :

Must Read

Price :

125

USEFUL FOR ALL COMPETITIVE EXAMS

Price :

299

ICPWE-2

Buy Today

Price :

295

CONTENTS ■ IMPORTANT INFORMATION : IBPS BANK CLERK ............................................. ICPWE–7 ■ ADVICE-CUM-PREPARATION STRATEGY FOR IBPS BANK CLERK CRP PRELIMINARY EXAMI ..................................................................... CPWE–9

ADVICE-CUM-STUDY MATERIAL ■ ENGLISH LANGUAGE ........................................................................................................... ICPWE–29 ✦ Warm-Up Exercise ......................................................................................................... ICPWE–49 ■ NUMERICAL ABILITY ........................................................................................................... ICPWE–53 ✦ Warm-Up Exercise ......................................................................................................... ICPWE–82 ■ REASONING ABILITY ........................................................................................................... ICPWE–87 ✦ Warm-Up Exercise ....................................................................................................... ICPWE–125

MODEL PRACTICE SETS SET-01

SET-06

❑ English Language ............................ ICPWE–129

❑ English Language ............................ ICPWE–190

❑ Numerical Ability ............................ ICPWE–131

❑ Numerical Ability ............................ ICPWE–192

❑ Reasoning Ability............................ ICPWE–133

❑ Reasoning Ability ............................ ICPWE–194

SET-02

SET-07

❑ English Language ............................ ICPWE–141

❑ English Language ............................ ICPWE–202

❑ Numerical Ability ............................ ICPWE–143

❑ Numerical Ability ............................ ICPWE–205

❑ Reasoning Ability............................ ICPWE–145

❑ Reasoning Ability ............................ ICPWE–207

SET-03

SET-08

❑ English Language ............................ ICPWE–152

❑ English Language ............................ ICPWE–216

❑ Numerical Ability ............................ ICPWE–154

❑ Numerical Ability ............................ ICPWE–219

❑ Reasoning Ability............................ ICPWE–156

❑ Reasoning Ability ............................ ICPWE–221

SET-09 SET-04 ❑ English Language ............................ ICPWE–164 ❑ Numerical Ability ............................ ICPWE–167 ❑ Reasoning Ability............................ ICPWE–169

❑ English Language ............................ ICPWE–230 ❑ Numerical Ability ............................ ICPWE–232 ❑ Reasoning Ability ............................ ICPWE–234

SET-10

SET-05 ❑ English Language ............................ ICPWE–178

❑ English Language ............................ ICPWE–241

❑ Numerical Ability ............................ ICPWE–181

❑ Numerical Ability .............................. ICPWE–43

❑ Reasoning Ability............................ ICPWE–182

❑ Reasoning Ability ............................ ICPWE–245

ICPWE-3

SET-11

SET-18

❑ English Language ............................ ICPWE–253

❑ English Language ............................ ICPWE–333

❑ Numerical Ability ............................ ICPWE–255

❑ Numerical Ability ............................ ICPWE–335

❑ Reasoning Ability............................ ICPWE–257

❑ Reasoning Ability ............................ ICPWE–337

SET-12

SET-19

❑ English Language ............................ ICPWE–266

❑ English Language ............................ ICPWE–345

❑ Numerical Ability ............................ ICPWE–268

❑ Numerical Ability ............................ ICPWE–348

❑ Reasoning Ability............................ ICPWE–270

❑ Reasoning Ability ............................ ICPWE–350

SET-13

SET-20

❑ English Language ............................ ICPWE–276

❑ English Language ............................ ICPWE–357

❑ Numerical Ability ............................ ICPWE–278

❑ Numerical Ability ............................ ICPWE–360

❑ Reasoning Ability............................ ICPWE–280

❑ Reasoning Ability ............................ ICPWE–362

SET-21

SET-14 ❑ English Language ............................ ICPWE–286 ❑ Numerical Ability ............................ ICPWE–288 ❑ Reasoning Ability............................ ICPWE–290

❑ English Language ............................ ICPWE–369 ❑ Numerical Ability ............................ ICPWE–371 ❑ Reasoning Ability ............................ ICPWE–373

SET-15

SET-22

❑ English Language ............................ ICPWE–298

❑ English Language ............................ ICPWE–381

❑ Numerical Ability ............................ ICPWE–300

❑ Numerical Ability ............................ ICPWE–383

❑ Reasoning Ability............................ ICPWE–302

❑ Reasoning Ability ............................ ICPWE–385

SET-16

SET-23

❑ English Language ............................ ICPWE–310

❑ English Language ............................ ICPWE–394

❑ Numerical Ability ............................ ICPWE–312

❑ Numerical Ability ............................ ICPWE–397

❑ Reasoning Ability............................ ICPWE–314

❑ Reasoning Ability ............................ ICPWE–399

SET-17

SET-24

❑ English Language ............................ ICPWE–322

❑ English Language ............................ ICPWE–406

❑ Numerical Ability ............................ ICPWE–325

❑ Numerical Ability ............................ ICPWE–408

❑ Reasoning Ability............................ ICPWE–326

❑ Reasoning Ability ............................ ICPWE–410

ICPWE-4

SET-25

SET-32

❑ English Language ............................ ICPWE–417 ❑ Numerical Ability ............................ ICPWE–420 ❑ Reasoning Ability............................ ICPWE–422

❑ English Language ............................ ICPWE–510 ❑ Numerical Ability ............................ ICPWE–513 ❑ Reasoning Ability ............................ ICPWE–515

SET-26 ❑ English Language ............................ ICPWE–431 ❑ Numerical Ability ............................ ICPWE–433 ❑ Reasoning Ability............................ ICPWE–435

SET-27

SET-33 ❑ English Language ............................ ICPWE–523 ❑ Numerical Ability ............................ ICPWE–525 ❑ Reasoning Ability ............................ ICPWE–527

SET-34

❑ English Language ............................ ICPWE–443 ❑ Numerical Ability ............................ ICPWE–446

❑ English Language ............................ ICPWE–533

❑ Reasoning Ability............................ ICPWE–448

❑ Numerical Ability ............................ ICPWE–536

SET-28

❑ Reasoning Ability ............................ ICPWE–538

SET-35

❑ English Language ............................ ICPWE–456 ❑ Numerical Ability ............................ ICPWE–459

❑ English Language ............................ ICPWE–547

❑ Reasoning Ability............................ ICPWE–462

❑ Numerical Ability ............................ ICPWE–550 ❑ Reasoning Ability ............................ ICPWE–552

SET-29

SET-36

❑ English Language ............................ ICPWE–471 ❑ Numerical Ability ............................ ICPWE–473

❑ English Language ............................ ICPWE–560

❑ Reasoning Ability............................ ICPWE–475

❑ Numerical Ability ............................ ICPWE–562 ❑ Reasoning Ability ............................ ICPWE–564

SET-30

SET-37

❑ English Language ............................ ICPWE–483 ❑ Numerical Ability ............................ ICPWE–486 ❑ Reasoning Ability............................ ICPWE–488

❑ English Language ............................ ICPWE–572 ❑ Numerical Ability ............................ ICPWE–574 ❑ Reasoning Ability ............................ ICPWE–577

SET-31

SET-38

❑ English Language ............................ ICPWE–497

❑ English Language ............................ ICPWE–585

❑ Numerical Ability ............................ ICPWE–500

❑ Numerical Ability ............................ ICPWE–588

❑ Reasoning Ability............................ ICPWE–502

❑ Reasoning Ability ............................ ICPWE–590

ICPWE-5

SET-39

SET-40

❑ English Language ............................ ICPWE–598

❑ English Language ............................ ICPWE–609

❑ Numerical Ability ............................ ICPWE–600

❑ Numerical Ability ............................ ICPWE–611

❑ Reasoning Ability............................ ICPWE–602

❑ Reasoning Ability ............................ ICPWE–613

MODEL SOLVED PAPERS SET-41

SET-45

IBPS Bank Clerk CWE (Prelim)

SBI Bank Clerk (Prelim) Exam, 22.02.2020

Exam, 07.12.2019

(Shift-I)

❖ English Language ........................... ICPWE-621

❖ English Language ........................... ICPWE-669

❖ Quantitative Aptitude .................... ICPWE-624

❖ Quantitative Aptitude .................... ICPWE-672

❖ Reasoning ...................................... ICPWE-625

❖ Reasoning Ability ........................... ICPWE-673

SET-42

SET-46

IBPS Bank Clerk CWE (Prelim)

IBPS Bank Clerk CWE (Prelim)

Exam, 08.12.2019

Exam, 12.12.2020 (Shift-II)

❖ English Language ........................... ICPWE-633

❖ English Language ........................... ICPWE-682

❖ Numerical Ability ........................... ICPWE-636

❖ Quantitative Aptitude .................... ICPWE-685

❖ Reasoning ...................................... ICPWE-637

❖ Reasoning ...................................... ICPWE-687

SET-43

SET-47

IBPS Bank Clerk CWE (Prelim)

SBI Bank Clerk (Prelim) Exam, 13.07.2021

Exam, 15.12.2019 ❖ English Language ........................... ICPWE-697 ❖ English Language ........................... ICPWE-645 ❖ Quantitative Aptitude .................... ICPWE-700 ❖ Quantitative Aptitude .................... ICPWE-648 ❖ Reasoning Ability ........................... ICPWE-702 ❖ Reasoning ...................................... ICPWE-650

SET-48

SET-44

IBPS Bank Clerk CWE (Prelim)

RBI Assistant (Prelim)

Exam, 21.12.2021

Exam, 20.01.2020 (Shift-I) ❖ English Language ........................... ICPWE-658 ❖ Quantitative Aptitude .................... ICPWE-660 ❖ Reasoning ...................................... ICPWE-662

❖ English Language ........................... ICPWE-712 ❖ Quantitative Aptitude .................... ICPWE-715 ❖ Reasoning ............................... ICPWE-718-728

ICPWE-6

IMPORTANT INFORMATION

IMPORTANT INFORMATION

IMPORTANT INFORMATION

Institute of Banking Personnel Selection (IBPS) COMMON RECRUITMENT PROCESS FOR RECRUITMENT OF CLERKS IN PARTICIPATING BANKS

(CRP CLERKS-XII for Vacancies of 2023-24) Website: www.ibps.in In case of queries / complaints please log in to http://cgrs.ibps.in The online examination (Preliminary and Main) for the next Common Recruitment Process for selection of personnel for Clerical cadre Posts in the Participating Banks is tentatively scheduled in September & October 2022. Any eligible candidate, who aspires to join any of the Participating Banks listed at (A) as a Clerk or in a similar post in that cadre, is required to register for the Common Recruitment Process (CRP Clerks -XII). The examination will be two tier i.e. the online examination will be held in two phases, Online Preliminary and Online Main. Candidates who will qualify in Online Preliminary Examination and shortlisted will have to appear for Online Main Examination. Depending on the vacancies to be filled in during the financial year 2023-24 based on the business needs of the Participating Banks and as reported to IBPS, candidates shortlisted will be provisionally allotted to one of the Participating Banks keeping in view the spirit of Govt. Guidelines on reservation policy, administrative convenience, etc. The validity for CRP Clerks-XII will automatically expire at the close of business on 31.03.2024 with or without giving any notice. ■

■

PARTICIPATING BANKS Bank of Baroda

Canara Bank

Indian Overseas Bank

UCO Bank

Bank of India

Central Bank of India

Punjab National Bank

Union Bank of India

Bank of Maharashtra

Indian Bank

Punjab & Sind Bank

THE TENTATIVE SCHEDULE OF EVENTS IS AS FOLLOWS: ACTIVITY TENTATIVE DATES On-line registration including Edit/Modification of

01.07.2022 to 21.07.2022

Application by candidates Payment of Application Fees/Intimation Charges (Online)

01.07.2022 to 21.07.2022

Download of call letters for Pre- Exam Training*

August 2022

Conduct of Pre-Exam Training*

August 2022

Download of call letters for Online examination – Preliminary

August 2022

Online Examination – Preliminary

September 2022

Result of Online exam – Preliminary

September/ October 2021

Download of Call letter for Online exam – Main

September/October 2022

Online Examination – Main

October 2022

Provisional Allotment

April 2023

●

■

In case it is possible and safe to hold PET

Age (As on 01.07.2022): Minimum: 20 years Maximum: 28 years i.e. A candidate must have been born not earlier than 02.07.1994

and not later than 01.07.2022 (both dates inclusive) There is relaxation in upper age limit for the candidates belonging to certain categories.

ICPWE-7

IMPORTANT INFORMATION

IMPORTANT INFORMATION

■ Educational Qualifications: A Degree (Graduation) in any discipline from a University recognised by the Govt. Of India or any equivalent qualification recognized as such by the Central Government. The candidate must possess valid Mark-sheet / Degree Certificate that he/ she is a graduate on the day he / she registers and indicate the percentage of marks obtained in Graduation while registering online. Computer Literacy: Operating and working knowledge in computer systems is mandatory i.e. candidates should have Certificate/Diploma/Degree in computer operations/Language/ should have studied Computer / Information Technology as one of the subjects in the High School/College/Institute. Proficiency in the Official Language of the State/UT (candidates should know how to read/ write and speak the Official Language of the State/UT) for which vacancies a candidate wishes to apply is preferable. Ex-Servicemen who do not possess the above civil examination qualifications should be matriculate Ex-Servicemen who have obtained the Army Special Certificate of Education or corresponding certificate in the Navy or Air Force after having completed not less than 15 years of service in the Armed Forces of the Union as on 21.07.2022. Such certificates should be dated on or before 21.07.2022. ■

CRP – ONLINE EXAMINATIONS The structure of the Examinations which will be conducted online are as follows: (a) Preliminary Examination (Duration : 1 Hour) Sr. No.

Name of Tests

No. of Questions

Maximum Marks

1

English Language

30

30

2

Numerical Ability

35

35

3

Reasoning Ability

35

35

Total

100

100

Candidates have to qualify in each of the three Tests by securing cut-off marks to be decided by IBPS. Adequate number of candidates in each category as decided by IBPS depending upon requirements will be shortlisted for online Main Examination. (b) Main Examination (Duration : 2 Hours and 15 Minutes) Sr. No. Name of Tests

No. of

Maximum

Time alloted for

Questions

Marks

each Test (Separately timed)

1

General/Financial Awarness

50

50

35 minutes

2

General English

40

40

35 minutes

3

Reasoning Ability & Computer Aptitude

50

60

45 minutes

4

Quantitative Aptitude Total

50

50

45 minutes

190

200

160 minutes

The above Tests except the Tests of English Language will be available bilingually, i.e. English and Hindi. IBPS reserves the right to modify the structure of the examination which will be intimated through its website. Other detailed information regarding the examination will be given in an Information Handout, which will be made available for the candidates to download along with the call letters from the authorised IBPS website www.ibps.in. ■ Penalty for Wrong Answers (Applicable to both – Preliminary and Main Examination) : There will be penalty for wrong answers marked in the Objective Tests. For each question for which a wrong answer has been given by the candidate one fourth or 0.25 of the marks assigned to that question will be deducted as penalty to arrive at corrected score. If a question is left blank, i.e., no answer is marked by the candidate, there will be no penalty for that question. ■

MARKS OBTAINED IN THE MAIN EXAMINATION ONLY WILL BE CONSIDERED FOR FINAL MERIT LISTING

ICPWE-8

ADVICE-CUM-PREPARATION STRATEGY FOR

IBPS BANK CLERK CRP PRELIMINARY EXAM

ADVICE-CUM-PREPARATION STRATEGY

FOR

IBPS BANK CLERK CRP PRELIMINARY EXAM Thousands of aspirants get a glittering opportunity for a bright career as the Banking Sector is poised for a high trajectory growth. A Common Recruitment Process (CRP) will be conducted by the Institute of Banking Personnel Selection (IBPS) as a pre-requisite for selection of personnel for Clerical Cadre posts in the 11 Public Sector Banks. The Banking sector in India is poised for a high trajectory growth with prospects for a bright career to thousands of new entrants. Here is a unique opportunity for aspirants for a career in 11 Public Sector Banks through a Single Common Examination. A Common Recruitment Process Examination (CRP) will be conducted by the Institute of Banking Personnel Selection (IBPS) as a prerequisite for selection of personnel for Clerical Cadre posts in the Public Sector Banks mentioned below. This system of Common Examination for recruitment in Clerical Cadre posts has been approved by each of the 11 participating Public Sector Banks and the Managing Committee of the Indian Banks’ Association (IBA) with the consent of the Government of India. IBPS, an autonomous body registered under Societies Registration Act 1860 and a Public Trust under Bombay Public Trust Act 1950, has been authorised by IBA and has received a mandate from the 11 Public Sector Banks listed below to conduct the Common Recruitment Process. An individual who aspires to join any of the Public Sector Banks as a Clerk or in a post in that cadre will necessarily be required to take the CRP. Prospective candidates who wish to appear for the CRP will have to apply to IBPS and should carefully read the advertisement regarding eligibility criteria, online registration process, pattern of examination, issuance of call letters and score cards.

Candidates who appear for the CRP will be able to check their status after the examination. Scorecards will be issued to candidates who secure minimum qualifying marks and above in each test of the examination. It should, however, be noted that successful candidates in the CRP who have been issued scorecards and who meet the stipulated eligibility criteria are then required to apply to any of the participating banks they wish to as and when individual banks call for applications, quoting their personal details and their CRP scores. Each bank will then individually shortlist candidates and carry out their own selection processes such as Interviews etc. for final selection. Each participating Public Sector Bank will independently issue a separate recruitment notification, specifying their vacancies and stipulating the eligibility criteria in terms of age, educational qualification, proficiency in Offical Language of the State/UT for which vacancies he/she wishes to apply, experience (if any), minimum required level of IBPS score in each component test plus Total Score (if any) etc. Since clerical cadre recruitment would be on State-wise basis, candidates can apply for vacancies in one State/ UT only. It will therefore be necessary that candidates appear for examination in one of the centres of a particular State/ UT where they would like to apply for emaployment i.e. they have to appear for the examination from a centre for that particular State/UT. The candidate may also be required to possess proficiency in the Official Language of the State/UT for which vacancies he wishes to apply to be eligible as per the notifications of the Participating Banks.

ICPWE-9

ADVICE-CUM-PREPARATION STRATEGY FOR

IBPS BANK CLERK CRP PRELIMINARY EXAM

SCHEME OF THE EXAMINATIONS CRP – ONLINE EXAMINATIONS The structure of the Examinations which will be conducted online are as follows: (a) Preliminary Examination (Duration : 1 Hour)

■

Sr. No.

Name of Tests

No. of Qs. Maximum Marks

1

English Language

30

30

2

Numerical Ability

35

35

3

Reasoning Ability Total

35 100

35 100

(b) Main Examination (Duration : 2 Hours 40 Minutes) Sr. No. Name of Tests

No. of Qs. of Qs.

Maximum Time alloted for Marks each test (Separately timed)

1

General/Financial Awarness

50

50

35 minutes

2

General English

40

40

35 minutes

3

Reasoning Ability & Computer Aptitude

50

60

45 minutes

4

Quantitative Aptitude

50

50

45 minutes

190

200

160 minutes

Total

The above tests except the Tests of English Language will be available bilingually, i.e. English and Hindi.

A BRIEF DISCUSSION ON THE SUBJECTS OF EXAM Although the advertisement published by IBPS bears no formal description of subject wise syllabus but we can formulate a model syllabus on the basis of the memory based questions of previous Clerk Exams of IBPS. In this process the Think Tank of Kiran Institute of Career Excellence, Pratiyogita Kiran, Renu General Knowledge & World Vision & Kiran Prakashan, held wide discussions qualitatively and analytically. The abstract of discussion is given below as a pragmatic but to the point syllabus —

■ ENGLISH LANGUAGE In the Test of English Language, 30 questions would be asked. The questions in this section may be asked from the following topics : ✦ Passage Comprehension ✦ Common Errors ✦ Sentence Improvement ✦ Fill in the blanks ✦ Cloze Test ✦ Paragraph Rearrangement ✦ Antonyms and Synonyms. You can prepare General English with the help of follwing books : Kiran’s Competitive General English (Price Rs. 295), Kiran’s Competitive General English-Hindi Medium (Price Rs. 290), Ki-

ran’s Common Errors in English- English Medium (Price Rs. 295), Kiran’s Common errors in English-Hindi Medium (Price Rs. 255), Kiran’s Idioms and Phrases (Price Rs. 155), Kiran Standard English Grammar (Price Rs. 99). These books cater to the needs of competitive exams of today.

TYPE OF QUESTIONS ASKED IN EXAMS Directions (1– 8) : Read the following passage carefully and answer the questions given below it. Certain, words are printed in BOLD to help you locate them while answering some of the questions. Smart City Mission is an urban renewal and retrofitting program by the Government of India with the mission to develop 100 cities across the country making them citizen friendly and sustainable. The Union Ministry of Urban Development is responsible for implementing the mission in collaboration with the state governments of the respective cities. The mission’s objective is described as promoting “cities that provide core infrastructure and give a decent quality of life to its citizens, a clean and sustainable environment and application of “Smart” Solutions. Smart Cities Mission envisions developing an area within 100 cities in the country as model areas based on an area development plan, which is expected to have a rub-off effect on other parts of the city and nearby cities and towns. Cities will be selected based on the Smart Cities challenge, where cities will compete in a countrywide competition to obtain the benefits from

ICPWE-10

ADVICE-CUM-PREPARATION STRATEGY FOR

IBPS BANK CLERK CRP PRELIMINARY EXAM

this mission. The smart solutions are largely technology-based interventions such as traffic management using cameras and public transport using mobile applications and the Global Positioning System or GPS. It is a five-year program in which, except for West Bengal all of the Indian states and Union territories are participating by nominating at least one city for the Smart Cities challenge. Financial aid will be given by the central and state governments between 2017 and 2022 to the cities, and the mission will start showing results from 2022 onwards. As per the program, each city gets Rs 500 crore of central funds, matched equally by the state, as seed funding. It must raise the rest of the money independently to implement its plans. Analysis by the Centre for Policy Research shows that almost 70% of the funds are “sourced from public sources”. Smart city development can take two main forms – area based development, which is limited to small pockets of urban territory, and pan-city development, which extends to the entire city. Most pan-city development projects involve the use of “technology, information and data” to improve services. In many cities, this has transformed into mobile application based, GPS-enabled public transport and bike-sharing systems. According to Government, the area-based development projects across the 100 cities are worth Rs 1,64,204 crores while the pan-city ones amount to just Rs 38,914 crores. This is why the Housing and Land Rights Network has criticized the mission as the “smart enclave scheme”. Under the Smart Cities Mission, however, only one company is formed to handle every type of project in a particular city like roads, sanitation, housing and parking in certain areas of the city, which will no longer come under the purview of the Municipal Corporation. However, the experts criticize that this plan creates a potential conflict with the municipal corporation, an elected body whose members are answerable to the public. So, the critics say that the Smart City Mission appears to bypass the democratic process. It might create friction between the smart city corporation and local politicians which is not healthy in democratic administration. 1. What is the primary motive of the Smart Cities Mission as given in the passage? (1) Brining technology based interventions (2) Smart enclave benefits (3) Application of smart solutions (4) Decent quality of life (5) 2 and 3 2. What is the criterion for a city to obtain the benefits from this smart cities mission as given in the passage? (1) The City must raise part of the money independently to implement its plans (2) The City should not be under the purview of the Municipal Corporation (3) The City should compete in a countrywide competition

(4) The City should have Global Positioning System (5) All the above 3. Which of the following inference is CORRECT with respect to Government funds to the implementation of the plan? (1) The Government funds will start showing results between 2017 and 2022 (2) The implementation plan is shared by Government and respective cities (3) 30% of the funds are given by the Government (4) Each city will get equally matched fund from Government (5) 2 and 3 4. What is meant by “pan-city development” as given in the passage? (1) Only one company is formed to handle every type of project (2) Promotion of technology, information and data (3) Tested by Smart Cities challenge (4) The city that comes under the Municipal Corporation (5) Development extends to the entire city 5. Which of the following reason is stated by the author for “bypass of Smart Cities Mission over democracy”? (1) The mission is exercised by corporation which is accountable to public (2) The pan – city development consumes more budgets (3) Rub-off effect on other parts of the city (4) The mission is largely technology-based than human values (5) The mission is not exercised by elected members who are publicly responsible Directions (6 – 7) : Choose the phrase which is most nearly the same in meaning as the word printed in BOLD letter as used in the passage. 6. RETROFITTING (1) Demounting (2) Redeveloping (3) Dismantling (4) Degrading (5) Dismembering 7. TRANSFORM (1) Transmute (2) Blight (3) Preserve (4) Maintain (5) Stagnate Directions (8): Choose the phrase which is opposite to the meaning as the word printed in BOLD letter as used in the passage. 8. BYPASS (1) Detour round (2) Go past (3) Confront (4) Evade (5) Avoid Directions (9 – 16) : Read the following passage carefully and answer the questions given below it. Certain, words are printed in BOLD to help you locate them while answering some of the questions.

ICPWE-11

ADVICE-CUM-PREPARATION STRATEGY FOR

IBPS BANK CLERK CRP PRELIMINARY EXAM

President Donald Trump wants to strangle the Iranian economy and keep gas prices low for American drivers. The discovery that Russia has been exporting contaminated crude oil means any hopes that he could do both have all but evaporated. Trump decided not to renew waivers that let countries buy Iranian oil without violating his sanctions, affecting eight nations that have exemptions expiring in 2019. This drove crude prices higher at a time when gasoline prices were already rising. This harsher regime looks like it will stick. While some countries will try to persuade Trump to grant last-minute extensions, the current rhetoric from Washington doesn’t look encouraging. The exemptions that were made alongside the first wave of sanctions in November 2018 were unexpected. Offering a second round of waivers after saying there wouldn’t be any would, frankly, make Trump’s administration look stupid. Three countries won’t even try to persuade Trump to issue new waivers. Italy, Greece and Taiwan never used them and won’t miss them when they’re gone. China and Turkey have both criticized the unilateral nature of the sanctions and accused the US of exceeding its jurisdiction. In China’s case, the importance of reaching a bilateral trade deal with the US may outweigh the benefit of defiance. An agreement could be reached by the end of 2019, according to Citigroup. President Xi Jinping may be loath to create any cause for delay. Turkey has already strained relations with the US over its plans to buy a Russian missile-defense system. Continuing to buy Iranian crude would sour them further and even if the Turkish government wants to rebel against the sanctions Tupras, the country’s biggest refiner, may be less willing as it would bear the brunt of any American retaliation. That leaves India, South Korea and Japan, and they are already lobbying the White House. Even if Trump were to have a change of heart, he doesn’t have to capitulate fully. Trump was to agree a 25 percent reduction in the volume of oil allowed for purchase from Iran over the next six months that would still make his sanctions tougher than those of his predecessor. But if the president refuses to budge, then all three are likely to stop buying crude and condensate from Iran. They are already starting to toe the line into the sharp drop in Iranian exports. The US sees itself as able to get tougher with its sanctions because it believes oil markets are well-supplied, unlike in last year. Brian Hook, Special Representative for Iran, says all forecasts show the global supply of oil exceeding demand in 2019. That’s only true if OPEC boosts its overall output. The group’s production already has to increase by 250,000 barrels a day in the second half of 2019 compared with last month’s levels to balance the market, according to the Department of Energy’s latest forecast. All these moves of US over Iran are an obvious target of US to control its economic growth that would support Iran becoming nuclear country, as US administration fears.

9. What is the benefit of not allowing waiver for Trump’s Iran Crude oil sanctions? (1) Evaporate Russian reserve of oil (2) Trump’s administration look stupid (3) US exceeding its jurisdiction (4) Lower gas prices for Americans (5) 1 and 3 10. What is the status of Italy, Greece and Taiwan’s with respect to waiver sanction by USA administration? (1) Three countries are not encouraged for waiver (2) These nations are offered with waiver santion (3) Three nations are not looking for waiver from USA (4) Three nations are looking for 2nd waiver (5) 1 and 4 11. Why Turkey has strained relation with USA (1) Turkey’s rebel against the sanctions Tupras (2) It would bear the brunt of any American retaliation (3) Turkey’s plan of buying a Russian missile-defense system (4) Turkey stops buying crude and condensate from Iran (5) All the above 12. What makes Trump tougher than those of his predecessors? (1) He sanctioned waiver for India, Japan and South Korea (2) He refused to budge over sanction waiver (3) He reduced 25% in oil purchase volume from Iran (4) He stopped countries to buy oil from Iran (5) 1 and 4 13. What is the primary cause of US administration controlling Iran oil purchase by other countries? (1) The citizens of America are benefited (2) To control other countries under its purview (3) USA does not like other countries to dominate economically (4) USA fears that Iran would become nuclear power (5) 1 and 3 Directions (14 –15) : Choose the phrase which is most nearly the same in meaning as the word printed in BOLD letter as used in the passage. 14. OUTWEIGH (1) Lavish (2) Track (3) Supersede (4) Trail (5) Surrender 15. RETALIATION (1) Clemency (2) Grace (3) Forgiveness (4) Retribution (5) Remission Directions (16): Choose the phrase which is opposite to the meaning as the word printed in BOLD letter as used in the passage.

ICPWE-12

ADVICE-CUM-PREPARATION STRATEGY FOR

IBPS BANK CLERK CRP PRELIMINARY EXAM

16. CAPITULATE (1) Submit (2) Yield (3) Surrender (4) Resist (5) Crumble Directions (17 – 20) : In each of the following sentences there are three blank spaces. Below each sentence there are five options and each option consists of three words which can be filled up in the blanks in the sentence to make the sentence grammatically correct. 17. It is necessary to _____ the children towards learning since childhood. Motivation ______ learning and thinking is important when child is young. It is because at that age, child perceives the facts _______. (1) Stimulate - on - clearly (2) Promote - through - gradually (3) Encourage - towards - easily (4) Instigate - in - wrongly (5) Control - by - slowly 18. The RBI has given top ______ to price stability in its recently drafted monetary policy ________ arrest the panic and discomfort ________ the Indian business circles. (1) Importance – so far - during (2) Significance – as well as - in (3) Rise – as soon as - while (4) Priority - so as to – amongst (5) Control – as well as – meanwhile 19. Main objective of the government was to ______ down inflation to 3%. The Repo Rate was remain ______ whereas CRR was ______ by 0.25 percentage points. (1) Take – undisturbed – decreased (2) Slow – constant – increased (3) Keep – same – decreased (4) Move – constant – increased (5) Bring – unchanged – increased 20. Indian Women have excelled in _____ field and have engraved their names in ______ parts of the world. But there still seems to be a long route ______ she attains equal status. (1) Every – many – ahead (2) All – every – before (3) Each – all – ahead (4) Every – every – before (5) All – each – ahead Direction (21– 25) : In the following questions, out of five alternatives, choose the one which best expresses the meaning of the given word. 21. BEREFT (1) Saturated (2) Stuffed (3) Abounding (4) Deprived (5) Flush 22. QUAINT (1) Modern (2) Attractive (3) Ugly (4) Ordinary (5) Usual

23. FOIL (1) Assist (2) Abet (3) Thwart (4) Facilitate (5) Smoothen 24. ACUMEN (1) Unawareness (2) Witlessness (3) Ignorance (4) Astuteness (5) Stupidty 25. TOME (1) Build (2) Construct (3) Narrow (4) Bifurcate (5) Book Directions (26 – 28) : In the questions given below, few sentences are given which are grammatically correct and meaningful. Connect them by the word given above the statements in the best possible way without changing the intended meaning. Choose your answer accordingly from the options to form a correct and coherent sentence 26. at the same time (A) Mobile markets in India are in boom as there are plenty of users (B) The second hand mobile markets are also picking a big phase (C) It is major concern for environmentalists who claim that there will be severe electronics wastes (D) However, the sales rates of the mobiles are in increasing trend in India (1) Only A and B (2) Only B and C (3) Only C and D (4) Either A and B or B and C (5) None of the above 27. As well as (A) Democracy is an idea that represents the collective responsibility (B) People of a democratic country usually exhibit vast freedom of expression (C) They claim huge amount of fundamental rights (D) The criticism claims that the same people fail to bring out fundamental duties (1) Only A and B (2) Only B and C (3) Only C and D (4) Either A and B or B and C (5) None of the above 28. Even though (A) The natives of village community basically lead a simple life style (B) It is because of their nature of farming related occupations (C) The dress codes and life pattern is adapted according to the simple occupation (D) They are more accessible to nature and lead a healthy life (1) Only A and B (2) Only B and C (3) Only C and D (4) Either A and B or B and C (5) None of the above

ICPWE-13

ADVICE-CUM-PREPARATION STRATEGY FOR

IBPS BANK CLERK CRP PRELIMINARY EXAM

Directions (29–32): In each of the following questions, various different sentences are given and you have to choose the one which has any grammatical phrasal error/s in it. In the questions, the option (5) represents all are correct. If all the sentences are grammatically correct in the question, then choose the option (5) as the correct choice. 29. (1) Multilateral institutions play a very important role in both the small scale industry and MNCs (2) Feminism is the only analytical lens which conveys the depth of female oppression to the society (3) Ethnic emotions run deep throughout Europe, but nowhere had they reached the level of bestiality as they did in Yugoslavia (4) It is impossible to talk about the history of the region without discussing the influence the Cold War had on these countries (5) A father is regarded as the head of the family since it is he who takes final decisions 30. (1) Even though, Libya was considered as a “brutal dictatorship” by the west, it is clear that Libya was a prosperous nation (2) Some pundits claim that ASEAN has contributed to conflict avoidance, but has failed to resolve actual conflicts (3) A mortgage is a security for the loan on the lender who makes to the borrower (4) Upon understanding the role of property management the writer will respond to the manager (5) Population growth increases the demand for land and requires vast administration 31. (1) In the recent years there have been multiple examples of ethnic conflicts occurring in communist nations (2) These flaws in the League were mostly not in the control of the League itself, but through the influences of other nations (3) There is an important discrepancy between the context of “Orientalism” within Australia and Ireland (4) The most favorable attitude of an individual is to offer advices which are ignored most of the times (5) This academic argument over the numbers of slaves involved in the slave trade shadows the massive scale of the problem 32. (1) If it can turn “Made in China” into “Chinese brand”, then it will occupy larger international market, receiving good results (2) The most important task that I had to undertake this semester was associated with a mixed group of individuals (3) The global economic crises are mainly driven through the failure of financial sector and financial regulations (4) International trade is a major source of economic revenue for any nation that is considered to be a world power

(5) By analyzing the business operation, it can be seen that a lot of efforts are being wasted in areas that make no contributions Direction (33 – 35) : In the following questions, out of five alternatives, choose the one which best expresses the OPPOSITE meaning of the given word. 33. TRITE (1) Hackneyed (2) Original (3) Vapid (4) Stale (5) Conventional 34. ENHANCE (1) Strengthen (2) Increase (3) Satisfy (4) Improve (5) Diminish 35. MORBID (1) Unhealthy (2) Gruesome (3) Healthy (4) Unwhole some (5) Frame

1. 6. 11. 16. 21. 26. 31.

(4) (2) (3) (4) (4) (1) (3)

2. 7. 12. 17. 22. 27. 32.

(3) (1) (3) (3) (2) (2) (1)

3. 8. 13. 18. 23. 28. 33.

(4) (3) (4) (4) (3) (3) (2)

4. 9. 14. 19. 24. 29. 34.

(5) (4) (3) (5) (4) (2) (5)

5. 10. 15. 20. 25. 30. 35.

(5) (4) (4) (1) (5) (3) (3)

1. (4) Read the last three sentences of 1st paragraph. 2. (3) Read two middle sentences of paragraph 2. 3. (4) The 3rd paragraph - each city gets Rs. 500 crore of central funds, matched equally by the state, as seed funding. 4. (5) Read first two sentences of paragraph 4. 5. (5) The mission is exercised by the separate company. But the elected members are responsible for such implementations. 6. (2) Retrofit (Verb) = to provide with new parts that were not available when it was originally manufactured. Demount (Verb) = dismantle or remove (an object or device) from its setting. 7. (1) Transform (Verb) = change, alter, modify, reshape; transmute. Blight (Verb) = to spoilor damage something. 8. (3) Bypass (Verb) = avoid; keep out of; go past. Confront = face up to and deal with. 9. (4) Read the first two sentences of paragraph 1. Absence of waiver benefits US to maintain lower gas prices. 10. (4) Read the 2nd paragraph - Three countries won’t even try to persuade Trump to issue new waivers

ICPWE-14

ADVICE-CUM-PREPARATION STRATEGY FOR

IBPS BANK CLERK CRP PRELIMINARY EXAM

11. (3) Read the middle sentences of paragraph 3. Turkey has already strained relations with the US over its plans to buy a Russian missile-defense system 12. (3) Read middle sentences of paragraph 4. 13. (4) Read the last sentences of paragraph 5. Iran becoming nuclear country, as US administration fears 14. (3) Outweigh (Verb) = be heavier, greater, or more significant or more influential than something; outbalance; supersede. Lavish (Adjective) = spending a large amount of money. 15. (4) Retaliation (Noun) =revenge, vengeance; reprisal; retribution. Remission (Noun) = cancellation, suspension. Clemency (Noun) = kindness shown to somebody. 16. (4) Capitulate (Verb) = cease to resist an opponent or an unwelcome demand; submit; yield; crumble. Resist (Verb) = withstand; combat; counter. 17. (3) Encouraging the children by motivating towards learning is important, because, child perceives facts easily. 18. (4) Top PRIORITY to price stability stabilizes policy SO AS TO arrest the discomfort AMONGST business circles. 19. (5) The rates usually are to BRING down If there is a word “remain”, then the follow up word is UNCHANGED or UNDISTURBED. It can be either increased are decreased 20. (1) “Every” is right term since the following noun is singular Many is right term since the following noun is plural AHEAD is more futuristic to complete the sentence. 21. (4) Bereft (Adjective) = deprived of something; completely lacking something. Flush (Verb) = become red in the face. Stuffed = having eaten enough. 22. (2) Quaint (Adjective) = attractive or unusual because it seems to belong to the past. 23. (3) Foil (Verb) = prevent, something undesirable, from succeeding; thwart; obstruct; impede. Abet (Verb) = encourage or assist to do something wrong; boost. 24. (4) Acumen (Noun) = the ability to make good judgements; acuity; smartness. Stupidity (Noun) = the state of being silly or unwise. 25. (5) Tome = bulky scholarly Book. Bifurcate (Verb) = to divide into two separate parts. 26. (1) At the same time, the 2nd hand market is also picking up 27. (2) People exhibit freedom of expression as well as fundamental rights

28. (3) Statements A, B and C are listing the simple life style of the village community. D conveys the advantage. 29. (2) Oppression under A society – the statement coveys a basic fact 30. (3) For the loan on which/what the lender makes – who is not required 31. (3) WITHIN the context of ORIENTALISM – BETWEEN Australia and Ireland 32. (1) And will receive good results 33. (2) Trite (Adjective) = lacking originality or freshess; conventional; stale. Its antonym is original. 34. (5) Enhance (Verb) = strengthen; increase, imporve. Diminish (Verb) = decrease; decline; reduce. 35. (3) Morbid – Unhealthy or unpleasant (x) opposite – healthy

■ NUMERICAL ABILITY In the Test of Numerical Ability, 35 questions would be asked. Every question will have 5 multiple answer choices. Though the syllabus is not well-defined in these competitive examinations, yet the questions asked in various previous Bank Clerk Exams themselves define the nature, standard etc. of the test. A minute observation of questions reveals that about 50% of them are based on Simplification, while other 50% of questions are based on chapters of HCF & LCM, Average, Percentage, Profit & Loss, Ratio & Proportion, Alligation or Mixture, Partnership, Time & Work, Time & Distance, Simple Interest, Compound Interest, Area of Plane Figures, Volume, Number Series, Probability and Quadratic Equations & Inequations. Generally, the questions are concept based. They need little effort to be solved. Some topics appear new to students with nonmathematical background. For example, topics like, Probability is certainly out of the scope of Arithmetic. This is the gift of hard competition and demand of time. Some topics are nothing but an enlargement of scope of Arithmetic and use of Arithmetical tools like Percentage, Average, Ratio etc. However our study material deals with each topic in detail that will certainly improve the level of understanding. Every discussion has a conclusion. This discussion clearly vindicates the delicate topics of exam and the alacrity to be followed during preparation. This section of the book supplements the dire needs of an avid fighter that fights to win. As you are required to score high and high to strengthen the scorecard, there is always need to pay heed to every topic in totality. Any lackadaisical approach may imperil your tomorrow. A sincere effort demands rigorous practice. This book serves twin objectives of comprehensive knowledge and enormous practice.

ICPWE-15