வங்கிப் பணிக்கான தேர்வு முறை! பாடத்திட்டங்களும் மாதிரி வினா-விடைகளும்…

உத்வேகத் தொடர்-89

வேலை வேண்டுமா?

வங்கியில் பெருகிவரும் வேலை வாய்ப்புகள் பற்றிய விரிவான விளக்கங்களைக் கடந்த இதழில் பார்த்தோம். குறிப்பாக-ஐ.பீ.பி.எஸ். எனப்படும் இன்ஸ்டிட்டியூட் ஆஃப் பேங்கிங் பெர்சானல் செலக்‌ஷன் என்னும் அமைப்பு நடத்தும் வங்கித் தேர்வான காமன் ரெக்ரூட்மென்ட் பிராசஸ்
(சி.ஆர்.பி.) ஃபார் புரொபஷனரி ஆபீசர்ஸ் / மேனேஜ்மென்ட் டிரெய்னீஸ் (Comman Recruitment Process [CRP] for Probationary Officers / Management Trainees) என்னும் தேர்வு எழுத தேவையான கல்வித்தகுதி, வயது விவரம், தேர்வுக் கட்டணம், தேர்வு முறை ஆகிய தகவல்களைப் பார்த்தோம். இனி இந்த இதழில் தேர்வுக்கான பாடத்திட்டங்கள், முதல்நிலைத்தேர்வுக்கான மாதிரி வினா-விடைகள் ஆகியவற்றைப் பார்ப்போம்.

பாடத்திட்டம்

CRPஆன்லைன் தேர்வில் (CRP Online Examination) முதல்நிலைத்தேர்வு மற்றும் முதன்மைத்தேர்வுக்கான பாடத்திட்டங்கள் பின்வருமாறு இடம்பெறும்.

முதல்நிலைத்தேர்வு (Preliminary Examination)

ஆங்கில மொழி (English Language)
ஆங்கில மொழி பாடத்தில் &Reading Comprehension, Spotting Errors, Antonym and Synonym, Fill in the Blanks, Jumbled Words, Phrase Substitution, Para Jumbles, Idioms and Phrases, Cloze Tests, One word Substitution, Grammar போன்ற பகுதிகள் இடம்பெறுகின்றன.

கணிதத்திறன் (Quantitative Aptitude)

ஆங்கில மொழி பாடத்தில் &Number Series, Alphabetical Series, Figure Series, Odd man out, Analogy, Syllogism, Word Formation, Coding-Decoding, Blood Relation, Ranking and Time, Causes and Effects, Direction Sense Test, Sitting Arrangements, Decision Making, Statement and Assumption, Assertion and Reason, Statement and Conclusion, Statement and Arguments, Statements and Action Courses போன்ற பகுதிகள் இடம்பெறுகின்றன.

புத்திக்கூர்மைத்திறன் (Reasoning Ability)

ஆங்கில மொழி பாடத்தில் & Number System, Data Interpretation  Bar, Line, Table, Caselet HCF and LCM, Quadratic, Profit and Loss, Percentage, Averages, Ratio and Proportion, Simple Interest, Compound Interest, Time and Work, Time and Distance, Boat and Stream, Pipe and Cistern, Simplification, Permutation and Combination, Probability போன்ற பகுதிகள் இடம்பெறுகின்றன.

முதன்மைத்தேர்வு (Main Examination)

புத்திக்கூர்மை மற்றும் கணிப்பொறித்திறன் (Reasoning and Computer Aptitude)

புத்திக்கூர்மை மற்றும் கணிதத்திறன் (Reasoning and Computer Aptitude Syllabus) பாடத்தில் Verbal reasoning மற்றும் Non-Verbal reasoning என இரண்டு பிரிவுகள் உள்ளன.

“Verbal reasoning”  பிரிவில் Analogy, Puzzles (Box, Floor, Age Based etc), Classification, Word formation, Statement and conclusions, Syllogism, Statement and assumptions, Statement and arguments, Coding Decoding, Blood Relations, Passage and conclusions, Alphabet test, Series Test, Number, Ranking and time sequence, Direction sense Test, Decision making test, Figure series, Input/output, Assertion and reasoning, Sitting Arrangement ஆகிய பகுதிகள் இடம்பெறுகின்றன.
“Non-Verbal Reasoning” பிரிவில் Series test, Odd One Out, Analogy, Miscellaneous Test ஆகிய பகுதிகள் இடம்பெறுகின்றன.

“Computer Aptitude”  பிரிவில்  Basics of Hardware and software, Windows operating system basics, Internet terms and services, Basic Functionalities of MS-Office (MS-word, MS-Excel, MS-PowerPoint), History of computers, Networking and communication, Database basics, Basics of Hacking, Security Tools and Viruses  ஆகிய பகுதிகள் இடம்பெறுகின்றன.

பொது / பொருளாதார / வங்கி விழிப்புணர்வு  (General/ Economy/ Banking Awareness)
பொது/பொருளாதார/வங்கி விழிப்புணர்வு பாடத்தில் Current affairs related to national and international issues of last 6 months, Overview of Indian Financial System, History of Indian banking system, Recent credit and monetary policies, Introduction to National financial institutions like RBI, SEBI, IRDA, FSDC etc and of International organizations like IMF, World Bank, ADB, UN etc., Abbreviations and Economic terminologies, Banking Terms, Important Government Schemes on capital and money market போன்ற பல முக்கிய பகுதிகள் இடம்பெறுகின்றன.

ஆங்கில மொழி (English Language)

ஆங்கிலப் பாடத்தில் Vocabulary பிரிவில் Homonyms, Antonyms, Synonyms, Word Formation, Spellingஆகிய பகுதிகள் இடம்பெறுகின்றன. Grammar பிரிவில் Spotting Errors, Phrases and idioms, Direct and Indirect speech, Active/ Passive voice ஆகிய பகுதிகளும் Reading Comprehension பிரிவில் Theme Detection, Passage completion, Topic rearrangement of passage, Deriving Conclusion ஆகிய பகுதிகளும் இடம்பெறுகின்றன.

தரவு பகுப்பாய்வு மற்றும் புரிந்துகொள்ளுதல் (Data Analysis and Interpretation)

தரவு பகுப்பாய்வு மற்றும் புரிந்துகொள்ளுதல் பாடத்தில் Ratio and proportion, Averages, Time and work, Speed, Distance and time, Mixture and allegation, Stocks and shares, Percentages, Partnership, Clocks, Volume and surface Area, Height and Distances, Logarithms, Permutation and combinations, Simple and compound interest, Equations, Probability, Trigonometry, Profit, Loss and Discount, Mensuration, Elements of Algebra ஆகிய பகுதிகள் புரிந்துகொள்ளும் திறனை அறிந்துகொள்ளும்வகையில் இடம்பெறுகின்றன. மேலும் தரவு பகுப்பாய்வு (Data Interpretation) பாடத்தில் Pie charts, Tables, Bar and Graphs, Line charts, Caselet  போன்ற பகுதிகள் இடம்பெறுகின்றன. இனி ஐ.பீ.பி.எஸ். நடத்தும் CRP ஆன்லைன் தேர்வின் (CRP Online Examination) முதல்நிலைத் தேர்வுக்கான வினா-விடைகளைக் காண்போம்.  

முதல்நிலைத்தேர்வு

ஆங்கிலமொழி வினா-விடைகள்

வங்கித் தேர்வில் சிறந்த மதிப்பெண்கள் பெற விரும்புபவர்கள் கடந்த ஆண்டுகளில் நடைபெற்ற தேர்வுத்தாள்களில் இடம்பெற்ற கேள்விகளை முழுவதுமாக தெரிந்துகொண்டு, அதற்கான சரியான விடைகளையும் கண்டுபிடிப்பதற்கான பயிற்சிகளில் ஈடுபட வேண்டும். வங்கித் தேர்வுக்கான தயாரிப்பு முழுமை பெற இந்தப் பயிற்சி போட்டியாளர்களுக்கு கண்டிப்பாகத் தேவை.

வங்கித்தேர்வு எழுதுபவர்களுக்கு பயன்பெறும் வகையில் ஐ.பீ.பி.எஸ். நடத்தும் CRP ஆன்லைன் தேர்வின் (CRP Online Examination) முதல்நிலைத் தேர்வுக்கான (Preliminary Examination) ஆங்கில மொழி (English Language) பாடத்தில் இடம்பெற்ற சில முக்கிய கேள்விகள் மற்றும் பதில்களை இப்போது பார்ப்போம்.

ஆங்கில மொழி (ENGLISH LANGUAGE)
Directions (1 - 5) : In each of the following questions a short passage is given with one of the lines of the passage missing and represented by a blank. Select  the  best out of the five answer choices  given to make the passage complete and coherent.

1.Women’s rights around the world are an important indicator to understand global well-being. A major global women’s rights treaty was ratified by the majority of the world’s nations a few decades ago. _______ These range from the cultural, political to the economic. For example, women often work more than men, yet are paid less; gender discrimination affects girls and women throughout  their lifetime; and women and girls are often the ones that suffer the most poverty.

Many may think that women’s rights are only an issue in countries where religion is law. Or even worse, some may think this is no longer an issue at all. But reading the report about the United Nation’s Women’s Treaty and how an increasing number of countries are lodging reservations will show othewise. Gender equality furthers the cause of child survival and development for all of society, so the importance of women’s rights and gender equality should not be underestimated.  

    (a) This treaty tackled and solved a number of issues related to women.
    (b) Why is it then, that women still face a number of problems on the domestic front?
    (c) Thus, the woman today is ten times more empowered as compared to a woman say about a decade ago.
    (d) Women’s activists across nations have implored the respective governments to take this seriously.
    (e) Yet, despite many successes in empowering women, numerous issues still exist in all areas of life.

2. Research has shown that air pollutants from fossil fuel use make clouds reflect more of the sun’s rays back into  space. This leads to an effect known as global dimming whereby less heat and energy reaches the earth. _________. However, it is believed that global dimming caused the droughts in certain parts of the world where millions died, because the northern hemisphere oceans were not warm enough to allow rain formation. Global dimming is also hiding the true power of global warming. By cleaning up global dimming-causing pollutants without tackling greenhouse gas emissions, rapid warming has been observed, and various human health and ecological  disasters have resulted, as witnessed during the European heat wave in 2003, which saw thousands of people die.

    (a) This though, does not bring any relief in the problems associated with climate change.
    (b) This phenomenon thus is part of the climate change problem.
    (c) Scientists thus believe that this phenomenon goes hand in hand with global warming.
    (d) At first, it   sounds like an ironic saviour to climate change problems.  
    (e) The answer to all our problems with respect to climate change is definitely here.

3.Poverty is the state for the majority of the world’s people and nations. Why is this?…… Have they been lazy, made poor  decisions, and been solely responsible for their own plight? What about their governments? Have they pursued policies that actually harm  successful development? Such causes of poverty and inequality are no doubt real. But deeper and more global causes of poverty are often less discussed. Behind the increasing interconnectedness promised by globalisation are global decisions, policies, and practices. These are typically influenced, driven, or formulated by the rich and powerful.

These can be leaders of rich countries or other global actors such as multinational corporations, institutions, and influential people. In the face of such enormous external influence, the governments of poor nations and their people are often powerless. As a result, in the global context, a few get wealthy while the majority struggles.

    (a) Is it enough to blame poor people for their own predicament?
    (b) What is the government doing about it?
    (c) Are the wealthy ones in the nation even aware of this?
    (d) The government has already taken measures to eradicate the same.
    (e) The huge gap between the rich and the poor in the nation is now narrowing.

4.Analysts and industry pundits forecast that the notebook market, which has been growing faster than the desktop market for the past three years, is expected to overtake the desktop market by the year 2011-12. A fall in prices, large deals from governments and institutions, and demand from consumers and sectors such as education are expected to help the notebook numbers.

According to research agencies, the year 2010-11 saw notebook volumes rise, and for the first time a million plus notebooks were sold in India in a single quarter. The market has grown nearly four times for notebooks. The demand is driven by all sectors and a very buoyant consumer market, which prefers mobile computers. Entry-level notebook prices have dropped below the Rs.25,000 mark; this has helped break the ice with new customers. This drop in notebook prices has been helped by the drop in the prices of the building blocks that make a notebook. It’s simple. With notebook volumes growing, the prices of the components are also bound to come down.____________

    (a) All this has resulted in a noticeable change in a number of large government tenders for notebooks; which were traditionally for desktops.
    (b) Because of this the government still prefers desktops to notebooks and has passed tenders for the same.
    (c) Thereby making them more expensive.
    (d) Thus the forecast for the coming year states that desktops will be the preferred technology choice only for consumers who cannot afford the exorbitantly              priced notebooks.
    (e) Thus notebooks will become obsolete after a decade or so.

5.Next to China, India is the most populated country in the world. ______ Particularly, rush to technical and higher education has increased as the scope for arts and science has become lesser and lesser due to lack of reforms and upgradation in the course structure and materials according to the developments of the world. Also, qualification in higher education gives added advantage to face successfully competition in the job market.

    (a) Keeping this in mind, the government has provided concessions in the admission fees for the arts and science streams in the country.
    (b) Naturally there is too much rush and competition in every field.
    (c) Despite this the rush to higher education is lesser.
    (d) This population increase, though, has not kept pace with the knowledge expansion around the world.    
    (e) In the next decade it will become the most populous.
Directions (Q.6-8) : Choose the word / group of words which is Most Similar in meaning to the word printed in bold as used in the passage.

6.    PICTURE
    (a) Situation    (b) Photograph    (c) Representation (d) Art Work
    (e) Idea

7.    FEEDING
    (a) Eating     (b) Supplying     (c) Consuming     (d) Encouraging      (e) Nourishing

8.    SURGE
    (a) Alteration     (b) Modification     (c) Intensification     (d) Increase     (e) Evolution
Directions (Q. 9-10) : Choose the word / group of words which is Most Opposite in meaning to the word printed in bold as used in the passage.

9.    SLIGHTLY
    (a) Adequately     (b) Miserly     
    (c) Certainly    (d) Remotely     (e) Substantially

10.    SWITCHING
    (a) Prolonging     (b) Withdrawing     (c) Continuing     (d) Exchanging     (e) Alternating
Directions (Q.11-15) : Read each sentence to find out whether there is any grammatical error or idiomatic error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E) (ignore errors of punctuation, if any).

11.Dress in black (A) / several students from the University took part (B) / in a protest march in the city on
Thursday as part (C) / of a campaign against female infanticide (D)./ No error     (E).

12.On the second day of the workshop, (A) / participants does a situational analysis of the state (B) / and spoke about their plan of action (C) / for implementing the Act. (D) / No error (E).

13.The court has asked the authorities (A) / to take appropriate steps to restore natural water resources (B) / so that the water shortage problem / in the state can be solved. (D) / No error (E).

14.The poor experience in (A) / neighbouring countries which have implemented (B) / food stamp programmes should serve as (C) / adeterrent on out country. (D) / No error (E).

15.The government has warned (A) / that air pollution from vehicles and power stations (B) / is reducing life expectancy in the country (C) / in an average of six months.(D) / No error (E).
Directions (Q. 16 - 20) : In the following passage some phrases have been left out, each of which is indicated a number. Find the suitable phrase from the options given against each number and fill up the blank with the appropriate phrase to make the paragraph meaningful.

It’s easy for anyone going by media accounts of the countless (16) the financial system ___ and of how easily the alleged scamsters are able to (17) typically by seeking refuge in foreign jurisdictions ___ to give in to a sense of despair and gloom. In India, the scale of such ‘white-collar financial crimes’ has only increased in recent years, and although the granular details of the (18) in each case may vary, they share a common attribute in that they contribute to an overall sense of distrust in the system, such as it is.

Reading Lying for Money, which details the anatomy of legendary frauds down the ages, can have a (19). For one thing, author Dan Davies, a former regulatory economist at the Bank of England, and a market analyst, (20) the mechanics of fraudulent machinations of scamsters and helps enhance our understanding of the systemic failures that create conditions for racketeers to thrive.

16.    (a) Scams penetrated to     
    (b) Scams repeated by         
    (c) Scams blocked by         
    (d) Scams perpetrated on
    (e) Scams chained to

17.    (a) hodgepodge     (b) nitty-gritty    (c) topsy-turvy     (d) bank on (e) loot and scoot

18.    (a) Modus operandi
    (b) rule of thumb    
    (c) Stepping stones
    (d) Operating System
    (e) Mannerism

19.    (a) Casual bipolar effect     
    (b) Causing bipolar effect     (c) Curious bipolar effect     
    (d) Customised bipolar affects     
    (e) Careful bipolar effects

20.    (a) lays bare     (b) lays barely     (c) barely lays     (d) laid barely     (e) lied bare
Directions (Q.21-25) : The sentences given below are not a proper sequence. Rearrange them so as to form a meaningful paragraph and answer the following questions.

    A. It will also take your mind off your failure.
    B. A few days in the abyss is enough.
    C. Make yourself too busy to think.
    D. Get back to your normal life.
    E. The daily routine will give you a sense of security and comfort.

21.    Which is the second sentence in the paragraph?
    (a) A       (b) B       (c) C     (d) D     (e) E

22.    Which is the third sentence in the paragraph?
    (a) A        (b) B      (c) C         (d) D      (e) E

23.    Which is the first sentence in the paragraph?
    (a) A          b) B       (c) C       (d) D        (e) E

24.    Which is the last sentence in the paragraph?
    (a) A         (b) B        c) C       (d) D       (e) E

25.    Which is the fourth sentence in the paragraph?
    (a) A          (b) B       (c) C     (d) D       (e) E
Directions (Q.26-30) : Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

    A.It is the only country in the world that is carbon negative, which means it produces more oxygen than it consumes.
    B.Bhutan, sandwiched between the two most populous nations on Earth, suffers for their  sins.
    C.So far, so good. But then, two things happened.
    D.Carbon sinks, 70% forest cover, powered almost entirely by mountain streams - Bhutan is a poster child for green living.
    E. Glaciers are beginning to melt, flash floods and heavy rains - and even droughts - are common, and temperatures are climbing.
    F. One, India and China got richer.

26. Which of the following should be the First sentence of the given paragraph?
    (a) E         (b) D         (c) C     (d) B       (e) A

27.    Which of the following should be the Third sentence of the given paragraph?
    (a) A         (b) B         (c) C     (d) D       (e) E

28.    Which of the following should be the LAST sentence of the given paragraph?
    (a) A          (b) C       (c) B    (d) D        (e) E

29. Which of the following should be the Fourth sentence of the given paragraph?
    (a) F          (b) C        (c) B     (d) E        (e) D

30.    Which of the following should be the Second sentence of the given paragraph?
    (a) B          (b) D       (c) A    (d) C        (e) E

இனி - ஐ.பீ.பி.எஸ். நடத்தும் CRP ஆன்லைன் தேர்வின் (CRP Online Examination) முதல்நிலைத் தேர்வுக்கான கணிதத்திறன் (Quantitative Aptitude) பாடத்தில் இடம்பெற்ற சில முக்கிய கேள்விகள் மற்றும் பதில்களை அடுத்த இதழில் பார்ப்போம்.