RBI Grade B Officer Previous Year Question Paper

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1. Which of the following schemes was redesigned and restructured into National Rural Livelihood Mission (NRLM) ?
National Rural Employment guarantee Scheme
National Food for Word Program
Jawahar Rojgar Yojna
Swarna Jayanthi Gram Swarojgar Yojna (SGSY)

2. The Mahatma Gandhi National Rural Employment Guaranty Act (MGNREGA) manadates at least what fraction of the beneficiaries to be women ?
30%
25%
40%
50%

3. The purchase of shares and bonds of Indian Companies by Foreign Institutional Investors is called
Portfolio Investment
Foreign Indirect Investment
FDI
None of these

4. Name the State where at the geological survey of India has recently found huge deposits of rate Platinum Group of Elements (PGE)?
Rajastan
West Bengal
Karnataka
Orissa

5. Which country has recently put into orbit Pakistan's first communications satellite PAKSAT - IR ?
China
Italy
India
USA

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Hello friend as you want Previous Year Question Paper of RBI Grade B Officer exam so here I am providing you the same……

Qs. 1-15. Read the following passage carefully and answer the questions given below it. Certain words/phrases has been printed in bold to help you to locate them while answering some of the questions.
The structure and operations of banks have undergone
a rapid transformation in recent years. Consequent upon
the revolution in information technology and the associated
increase in competition financial intermediaries have become
increasingly global in geographical coverage and universal
in the financial operations, encompassing a wide range of
activities including banking, securities markets activities and
insurance. In the face of widespread concerns about
declining profitability of banks, the Basel capital adequacy
norms were enacted.
Although the Basel norms helped to arrest the erosion
of banks’ capital ratios, concerns were raised regarding the
mere applicability of baseline capital ratios in the changed
environment of operation. The blurring of both functional
as well as national divisions among the financial
intermediaries, and the speed and complexity of adjustment,
made it difficult for regulators to keep up with the growing
pace change. In particular the rule of ‘one-size-fits-all’ aspect
of the capital adequacy ratio was the subject of intense
debate. Recent banking crisis only emphasized the point
that baseline capital adequacy norms were not adequate to
hedge against failures. In response to the same, the Basel
Committee on Banks’ Supervision came out with the new
Consultative Paper on Capital Adequacy. It invited
suggestions from the policymakers, academia and other
institutes all over the world. After taking into consideration
manifold suggestions of the various organizations, the
second Consultative Paper on Capital Adequacy was
released. The Accord rests on three pillars; the first pillar of minimum capital requirement, the second pillar of supervisory review process and the third pillar of market discipline. The first pillar sets out the minimum capital requirements. The new framework maintains both the current definition of capital and the minimum requirement of 8% of capital to risk-weighted assets. The revised Accord will be extended on a consolidational basis to holding companies of banking groups. The Accord stresses upon the improvement in measurement of risks. The credit risk measurement methods have been made more elaborate than those in the existing Accord. The new framework also emphasizes the measurement of operational risk. For measuring credit risk, two options have been proposed. The first is the standardized approach and the second is the internal rating based approach. Under the standardized approach, the existing approach for credit risk remains conceptually the same, but the risk-weights have been enlarged to encompass exposures to a broad category of borrowers with reference to the rating provided by rating agencies.
1. What necessitated the creation of Basel capital
adequacy norms?
(1) To study the profitability pattern in the banks.
(2) The banks wanted its capital reserve ratios to be
kept above 8%.
(3) Regulatory body of the banks wanted to have
uniform policy.
(4) Corporate buyers compelled the lending institutions
to do so.
(5) None of these
2. Which of the following factors are responsible for
rapid transformation in banks in recent years?
(1) The forces of privatization and international players
have compelled the banks to do so.
(2) Control from regulators has become meaningless
for the banks to survive.
(3) Sudden upsurge in economy.
(4) The competition has increased and information
technology has undergone a sea change.
(5) None of these
3. According to the passage activities encompassed
by banks are:
(1) insurance, housing finance and low cost funds.
(2) market discipline, profit maximization and priority
sector banking.
(3) securities markets, insurance and banking.
(4) geographical coverage, universalization and
transformation.
(5) None of these
4. The main features of the standardized approach are:
(1) the credit risk management should encompass large
corporate borrowers.
(2) the borrowers should not have more than 8% risk
weighted assets.
(3) banks capital reserve ratios should be strictly
maintained.
(4) the risk weights should take into consideration the
ratings of rating agencies.
(5) None of these
5. The consultative paper of Basel Committee was a
result of:
(1) three pillar accord of academic institutes.
(2) contribution from international policy makers,
academicians and institutions.
(3) failure of structures and operations of banks in the
world.
(4) erosion of banks’ fixed assets owing to global
competition.
(5) None of these
6. How did Basel norms help the Bank?
(1) It changed the environment of operations.
(2) The decline in capital ratios was arrested.
(3) The banks could successfully keep market discipline.
(4) It did not erode the quality of risk measurement.
(5) None of these
7. Emphasis on operational risk measurement was the
main feature of:
(1) theory of three pillars risk management.
(2) first consultative paper on capital adequacy.
(3) second consultative paper on capital adequacy.
(4) Basel capital adequacy norms.
(5) None of these
8. Which of the following difficulties was faced by
regulators on prescription of Basel norms?
(1) The regulators could not keep up with growing pace
of change.
(2) There was no provision for risk measurement.
(3) The minimum requirement of 8% of capital could
not be met.
(4) The supervisory review process could not be carried
out.
(5) None of these
9. Which of the following is NOT a recommendation
of second consultative paper on capital adequacy?
(1) The minimum capital requirement for a bank has
been prescribed.
(2) Universal financial operations are permitted within
limited geographical coverage.
(3) The supervisory review should be more
comprehensive.
(4) The market discipline has to be observed by each
bank.
(5) None of these
10. According to passage factor(s) responsible for
declining profitability in banks was/were:
(A) cut-throat competition and technology revolution.
(B) globalization of financial intermediaries.
(C) privatization of insurance.
(1) Only (A) (2) Only (B) (3) Both (A) and (B)
(4) Both (B) and (C) (5) Neither (A) nor (B)

Qs. 11-13. Choose the word which is most similar in
meaning to the word printed in bold as used in the passage.
11. Elaborate
(1) precise (2) discernible (3) explanatory
(4) enumerate (5) implicit
12. Options
(1) alternatives (2) distracters (3) answers
(4) paths (5) directions
13. Erosion
(1) loss (2) depletion (3) assets
(4) replenishment (5) reclamation
Qs. 14-15. Choose the word which is most opposite in
meaning to the word printed in bold as used in the passage.
14. Accord
(1) summit (2) record (3) disagreement
(4) difference (5) withdrawal
15. Manifold
(1) single (2) alone (3) lonely
(4) isolated (5) multiple

Qs. 16-25. Which of the phrases (1), (2), (3) and (4) given
below each sentence should replace the phrase printed in
bold in the sentence to make it grammatically correct? If the
sentence is correct as it is given and No correction required,
mark (5) a the answer.
16. The Governor has a good collection of paintings
adorning the walls of the Raj Bhavan.
(1) painting adoring the walls
(2) painting adorning a walls
(3) paintings sticking the walls
(4) paintings adorn the walls
(5) No correction required
17. The argument against privatization stems from a fear
that the national assets were being handed to private sector.
(1) assets are being handed over to
(2) assets is being handled by
(3) asset have been handed over to
(4) assets are being handled into
(5) No correction required
18. The principals and teachers at the selected English
medium schools were contacted.
(1) of the selected English medium
(2) at the select English medium
(3) upon the selected English medium
(4) of the selection English medium
(5) No correction required
19. Fast foods can be dangerous as they deprive the
body of essential nutrients.
(1) the body at essential (2) the body of essentially
(3) the body from essential
(4) the bodies onto essential
(5) No correction required
20. Some people feel that the medium of instruction
in all colleges in India would be only English.
(1) should has been only English
(2) will have be only English
(3) should be only English
(4) would be English only
(5) No correction required
21. Besides these norms, the data was also analysed
to form the sub groups.
(1) the data had analysed also
(2) the data were also concluded
(3) the data were also analysed
(4) an data were analysed also
(5) No correction required
22. The children and their specific problems needs to
be identified.
(1) problem need to be (2) problems needed to be
(3) problems has been (4) problems need to be
(5) No correction required
23. He does not know that Mount Everest is the most
highest mountain peak.
(1) is a more highest mountain
(2) is the most high mountain
(3) is the higher mountain
(4) is the highest mountain
(5) No correction required
24. The complex nature of the modern industrial
civilization and explosion of knowledge have made the
education process very complicated.
(1) has made the education process
(2) have made the educational process
(3) have made the education processed
(4) have been made educational process
(5) No correction required
25. Learning is defined as a relatively permanently
change in our potential for performance.
(1) relatively permanent change
(2) relative permanently change
(3) relatively permanent changed
(4) permanently relatively change
(5) No correction required

Qs. 26-35. 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.
It is a pity that we do not have good books on banking
written by Indian authors (26) to the steady growth of
literature on the subject in other countries especially, the
U.K. whose banking laws and (27) are very much akin to
those of our country. And students studying in our
universities and the millions of bank employees appearing
for various banking examinations have to depend (28) on
books written by foreign authors. As these books mainly
deal with the problems of banking industry of foreign
countries the (29) of the banking scene in India and the
various legal (30) and banking procedures remains very
weak. To (31) the bank employees and the university students
who have opted for (32) courses in banking with different
aspects of theory and practice of banking we should have
good and (33) textbooks. The book under review, written by
an experienced and (34) banker, on banking law based on
leading Indian cases, will be found very useful by students
of banking as a (35) guide to the principles of banking law.
26. (1) corresponding (2) following (3) emphasize
(4) correcting (5) paving
27. (1) products (2) notes (3) initiatives
(4) procedures (5) processes
28. (1) upon (2) still (3) rarely
(4) until (5) slightly
29. (1) core (2) application
(3) understanding (4) knowledge (5) purpose
30. (1) aspects (2) experts (3) books
(4) loops (5) lapses
31. (1) saddle (2) decorate (3) promote
(4) load (5) equip
32. (1) expensive (2) tough (3) detailed
(4) specialized (5) optional
33. (1) voluminous (2) many (3) seasoned
(4) shining (5) authentic
34. (1) qualified (2) rich (3) merchant
(4) desired (5) consulting
35. (1) powerful (2) ready
(3) comprehensive (4) prescribed (5) learned

Qs. 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. He knew that a war of liberation___great spirit,
great sacrifice,___and patience.
(1) forced....peace (2) encouraged....demand
(3) compelled....money (4) boost....fear
(5) demanded....courage
37. Management has___a half forgotten idea; the
individual is___in directing decisions, skill and services.
(1) constituted....purposive (2) invented....vulnerable
(3) rediscovered....crucial (4) developed....objective
(5) devised....subjective
38. You can do franchising if you are____to shut
your____to many things.
(1) willing....eyes (2) opt....ears
(3) skilled....window (4) blind....vision
(5) helpless....thoughts
39. The___of an organization depends on several
factors, the___of leadership is the most important.
(1) effectiveness....quality (2) delivery....amount
(3) power....paucity (4) ambience....judgement
(5) strength....gender
40. History is___with examples of strong
nations___the weak ones.
(1) complete....require (2) organized....advocating
(3) written....asserting (4) replete....dominating
(5) taught....propagating

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

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