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- (Proverb)
Bank PO :: Test No 93
Home > Bank PO > Test No 93 > General Questions
1 .

Direction (Q. 1-5): Below is given a passage followed by several possible inferences which can be drawn from the facts stated in the passage. You have to examine each inference separately in the context of the passage and decide upon its degree of truth or falsity.
The opportunities and challenges posed by the consumer finance market in India are enormous. Sixyears ago, 40 per cent of consumer durables were financed; this has now gone up to 70 per cent. Yet, consumer finance constitutes just 2.6 percent of GDP, which indicates the latent potential. Thus it is not surprising to see banks and finance companies entering the retail loan market with varied offerings. At present most banks and finance companies are focussing on the urban market. Each is trying to woo consumers with attractive value-additions aided by declining interest rates. The consumer finance market is fuelled by ever-increasing aspirations. Today the need for a loan has transcended traditional mindsets, wherein the idea of taking a loan was a much-debated issue and that too in a market where there was little or no choice. Factors contributing to changing aspirations are many -rising literacy rate, exposure to global trends and lifestyles. Retail finance has enabled consumers to attain goals at cheaper rates offered by banks.

Taking a loan today is seen as a smart move towards financial planning and as a socially accepted means to acquire a better standard of living.

A.    if the inference is definitely true, ie it properly follows from the statement of facts given. B.    if the inference is probably true though not definitely true in the light of the facts given.
C.    if the data are inadequate, ie from the facts given you cannot say whether the inference is likely to be true or false. D.    if the inference is probably false though not definitely false in the light of the facts given.
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2 .

Retail finance business has witnessed a slump and registered a negative growth over the previous year.

A.    if the inference is definitely true, ie it properly follows from the statement of facts given. B.    if the inference is probably true though not definitely true in the light of the facts given.
C.    if the data are inadequate, ie from the facts given you cannot say whether the inference is likely to be true or false. D.    if the inference is probably false though not definitely false in the light of the facts given.
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3 .

Positive attitude to taking a loan, higher average loan size and the infrastructure to conduct credit risk verification also are the reasons behind the attraction of banks to delve in urban markets.

A.    if the inference is definitely true, ie it properly follows from the statement of facts given. B.    if the inference is probably true though not definitely true in the light of the facts given.
C.    if the data are inadequate, ie from the facts given you cannot say whether the inference is likely to be true or false. D.    if the inference is probably false though not definitely false in the light of the facts given.
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4 .

The shift in consumer attitude can give retail lending a shot in the arm.

A.    if the inference is definitely true, ie it properly follows from the statement of facts given. B.    if the inference is probably true though not definitely true in the light of the facts given.
C.    if the data are inadequate, ie from the facts given you cannot say whether the inference is likely to be true or false. D.    if the inference is probably false though not definitely false in the light of the facts given.
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5 .

Nationalised and co-operative banks have been offering loans in rural markets, in addition to the unorganised sector.

A.    if the inference is definitely true, ie it properly follows from the statement of facts given. B.    if the inference is probably true though not definitely true in the light of the facts given.
C.    if the data are inadequate, ie from the facts given you cannot say whether the inference is likely to be true or false. D.    if the inference is probably false though not definitely false in the light of the facts given.
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6 .

Direction (Q. 6-10): Given below are pairs of events A and B. You have to read both the events A and B and decide their nature of relationship. You have to assume that the information given in A and B is true and you will not assume anything beyond the given information in deciding the answer.
Event (A): Tension triggered in Manoharpur prompted the authorities to deploy additional forces to maintain law and order in the locality.
Event (B): Unidentified miscreants allegedly desecrated an idol in a temple in Manoharpur.

A.    if A is the effect and B its immediate and principal cause. B.    if A is the immediate and principal cause and B its effect.
C.    if A is an effect but B not its immediate and principal cause. D.    if B is an effect but A not its immediate and principal cause.
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7 .

Event (A): After long years of wait, the capital got its metro last year.
Event (B): Pollution levels in the capital have come down.

A.    if A is the effect and B its immediate and principal cause. B.    if A is the immediate and principal cause and B its effect.
C.    if A is an effect but B not its immediate and principal cause. D.    if B is an effect but A not its immediate and principal cause.
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8 .

Event (A): Last week MTNL changed its telephone numbers from seven to eight digits.
Event (B): MTNL has again made changes in its billing cycle by extending payment dates for bills.

A.    if A is the effect and B its immediate and principal cause. B.    if A is the immediate and principal cause and B its effect.
C.    if A is an effect but B not its immediate and principal cause. D.    if B is an effect but A not its immediate and principal cause.
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9 .

Event (A): Saving capacity per person in India has decreased enormously.
Event (B): There is a slight decrease witnessed in the per capita income of India.

A.    if A is the effect and B its immediate and principal cause. B.    if A is the immediate and principal cause and B its effect.
C.    if A is an effect but B not its immediate and principal cause. D.    if B is an effect but A not its immediate and principal cause.
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10 .

Event (A): The cold wave sweeping state 'X' further aggravated today as tribal areas experienced moderate snowfall while other hilly areas had a glimpse of snow.
Event (B): Thousands of tourists who have come to state 'X' to celebrate Christmas are keeping their fingers crossed and praying for snowfall, hoping for a white Christmas.

A.    if A is the effect and B its immediate and principal cause. B.    if A is the immediate and principal cause and B its effect.
C.    if A is an effect but B not its immediate and principal cause. D.    None of these
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