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SBI CBO Mock Test - 1 - Bank Exams MCQ


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30 Questions MCQ Test Mock Test Series for SBI CBO Exam 2024 - SBI CBO Mock Test - 1

SBI CBO Mock Test - 1 for Bank Exams 2024 is part of Mock Test Series for SBI CBO Exam 2024 preparation. The SBI CBO Mock Test - 1 questions and answers have been prepared according to the Bank Exams exam syllabus.The SBI CBO Mock Test - 1 MCQs are made for Bank Exams 2024 Exam. Find important definitions, questions, notes, meanings, examples, exercises, MCQs and online tests for SBI CBO Mock Test - 1 below.
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SBI CBO Mock Test - 1 - Question 1
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Once surrounded and protected by vast wilderness, many of the national parks are adversely affected by activities outside their boundaries. The National Park Organic Act established the national park system and empowered the Secretary of the Interior to manage activities within the parks. Conditions outside park boundaries are not subject to regulation by the Park Service unless they involve the direct use of park resources.

Several approaches to protecting the national parks from external degradation have been proposed, such as one focusing on enacting federal legislation granting the National Park Service broader powers over lands adjacent to the national parks. Legislation addressing external threats to the national parks twice passed the House of Representatives but died without action in the Senate. Also brought to the table as a possible remedy is giving the states bordering the parks a significant and meaningful role in developing federal park management policy.

Because the livelihood of many citizens is linked to the management of national parks, local politicians often encourage state involvement in federal planning. But, state legislatures have not always addressed the fundamental policy issues of whether states should protect park wildlife.

Timber harvesting, ranching and energy exploration compete with wildlife within the local ecosystem. Priorities among different land uses are not generally established by current legislation. Additionally, often no mechanism exists to coordinate planning by the state environmental regulatory agencies. These factors limit the impact of legislation aimed at protecting park wildlife and the larger park ecosystem.

Even if these deficiencies can be overcome, state participation must be consistent with existing federal legislation. States lack jurisdiction within national parks themselves, and therefore state solutions cannot reach activities inside the parks, thus limiting state action to the land adjacent to the national parks. Under the supremacy clause, federal laws and regulations supersede state action if state law conflicts with federal legislation, if Congress precludes local regulation, or if federal regulation is so pervasive that no room remains for state control. Assuming that federal regulations leave open the possibility of state control, state participation in policy making must be harmonized with existing federal legislation.

The residents of states bordering national parks are affected by park management policies. They in turn affect the success of those policies. This interrelationship must be considered in responding to the external threats problem. Local participation is necessary in deciding how to protect park wildlife. Local interests should not, however, dictate national policy, nor should they be used as a pretext to ignore the threats to park regions. 

Direction: Read the above Paragraph and answer the following Questions
Q. What is the main purpose of the author in writing the passage? 

Detailed Solution for SBI CBO Mock Test - 1 - Question 1

Mapping the Passage:

  • Para 1 describes a problem facing national parks: negative effects from the land surrounding them.
  • Para 2 describes one approach to dealing with the problem: federal legislation, which failed.
  • Para 3 and 4 describe a second approach: giving power to states to cooperate with adjacent national parks, and describe the problems with it.
  • Para 5 argues that state participation must be tied to federal regulations.
  • Para 6 argues that any solution requires a national response with elements of local participation.

If you have mapped the passage correctly you will notice that most of the passage discusses the different approaches that can be taken to solve the problem of degradation of national parks.
Option C matches best with this.

SBI CBO Mock Test - 1 - Question 2
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Once surrounded and protected by vast wilderness, many of the national parks are adversely affected by activities outside their boundaries. The National Park Organic Act established the national park system and empowered the Secretary of the Interior to manage activities within the parks. Conditions outside park boundaries are not subject to regulation by the Park Service unless they involve the direct use of park resources.

Several approaches to protecting the national parks from external degradation have been proposed, such as one focusing on enacting federal legislation granting the National Park Service broader powers over lands adjacent to the national parks. Legislation addressing external threats to the national parks twice passed the House of Representatives but died without action in the Senate. Also brought to the table as a possible remedy is giving the states bordering the parks a significant and meaningful role in developing federal park management policy.

Because the livelihood of many citizens is linked to the management of national parks, local politicians often encourage state involvement in federal planning. But, state legislatures have not always addressed the fundamental policy issues of whether states should protect park wildlife.

Timber harvesting, ranching and energy exploration compete with wildlife within the local ecosystem. Priorities among different land uses are not generally established by current legislation. Additionally, often no mechanism exists to coordinate planning by the state environmental regulatory agencies. These factors limit the impact of legislation aimed at protecting park wildlife and the larger park ecosystem.

Even if these deficiencies can be overcome, state participation must be consistent with existing federal legislation. States lack jurisdiction within national parks themselves, and therefore state solutions cannot reach activities inside the parks, thus limiting state action to the land adjacent to the national parks. Under the supremacy clause, federal laws and regulations supersede state action if state law conflicts with federal legislation, if Congress precludes local regulation, or if federal regulation is so pervasive that no room remains for state control. Assuming that federal regulations leave open the possibility of state control, state participation in policy making must be harmonized with existing federal legislation.

The residents of states bordering national parks are affected by park management policies. They in turn affect the success of those policies. This interrelationship must be considered in responding to the external threats problem. Local participation is necessary in deciding how to protect park wildlife. Local interests should not, however, dictate national policy, nor should they be used as a pretext to ignore the threats to park regions. 

Direction: Read the above Paragraph and answer the following Questions
Q. According to the passage, which of the following developments is most likely if environmental cooperation between the federal government and state governments does not improve? 

Detailed Solution for SBI CBO Mock Test - 1 - Question 2

Mapping the Passage:

  • Para 1 describes a problem facing national parks: negative effects from the land surrounding them.
  • Para 2 describes one approach to dealing with the problem: federal legislation, which failed.
  • Para 3 and 4 describe a second approach: giving power to states to cooperate with adjacent national parks, and describe the problems with it.
  • Para 5 argues that state participation must be tied to federal regulations.
  • Para 6 argues that any solution requires a national response with elements of local participation.

According to the passage, start to the question tips you off to look for detail within the passage. Where is the scenario in the question mentioned?
Go to the last paragraph, which discusses a combination of national and local responses. It argues that this cooperation is necessary in order to ― protect park wildlife. If this cooperation doesn‘t occur then, wildlife would presumably be harmed.
So option (D) is correct.

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SBI CBO Mock Test - 1 - Question 3
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Directions(Q1-Q10): In the following question, out of the four alternatives, select the alternative which will improve the bracketed part of the sentence. In case no improvement is needed, select no improvement. 

Q. "She is (the best and wisest) girl in the class." 

Detailed Solution for SBI CBO Mock Test - 1 - Question 3

Here ‘wise’ is used in the superlative form as ‘wisest’. With superlatives, the article ‘the’ is used.

SBI CBO Mock Test - 1 - Question 4
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Directions: In questions given below out of four alternatives, choose the one which can be substituted for the given word/sentence.

Q. Extreme old age when a man behaves like a fool.
Detailed Solution for SBI CBO Mock Test - 1 - Question 4

One word substitution is Dotage.

Imbecility: Stupid or insane behaviour.

Youth: The period between childhood and adult age.

Dotage: The period of life in which a person is old and weak, especially with some loss of mental ability.

Superannuation: Regular payment made into a fund by an employee towards a future pension.

SBI CBO Mock Test - 1 - Question 5
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Directions: Spot the error in the underlined part of the sentence and choose the correct sentence accordingly.

Venezuelan President Hugo Chavez, outspoken as usual, compared the choice of Liu for the Nobel Prize with Obama.
Detailed Solution for SBI CBO Mock Test - 1 - Question 5
  • Choice is compared, hence that of (choice of) is essential. Otherwise, choice and Obama are directly compared making it an error.
  • To identify either the similarities or the differences between two things, use "compare to."
  • To identify both the similarities and the differences (at the same time), use "compare with." ('Compared with' places the things compared on equal level) India is often compared with China. India is often compared to the US.
  • In comparing with something, one finds or discusses both things that are alike and things that are different.
SBI CBO Mock Test - 1 - Question 6
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Fill in the blank with the correct option in the given sentence:
He was a true _____math and at the same time a virtuoso storyteller.
Detailed Solution for SBI CBO Mock Test - 1 - Question 6
  • Polymath means a person of wide knowledge or learning.
  • Example:- "a Renaissance polymath"
  • Hence, 'poly' will come in the blank to make the sentence meaningful.

Hence, the correct answer is Option C.

SBI CBO Mock Test - 1 - Question 7
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Is academic freedom affordable in a time of economic crisis? There remains a nagging sense that universities are _________now that ordinary people a r e _________ to make ends meet.
Detailed Solution for SBI CBO Mock Test - 1 - Question 7

In times of economic crisis, the nagging sense about universities could be option 2 or 4. During economic crisis it does not make sense to say that people are 'studying' to make ends meet, 'struggling' makes better sense.

SBI CBO Mock Test - 1 - Question 8
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Will you lend me few rupees in this hour of need?
Detailed Solution for SBI CBO Mock Test - 1 - Question 8

► a few (Det.): a small number of things; some.
► few (Det., Adj.): not many
► Here, "lend me a few rupees" is the right usage.

SBI CBO Mock Test - 1 - Question 9
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I remember my sister taking me to the museum.
Detailed Solution for SBI CBO Mock Test - 1 - Question 9

I remember being taken to the museum by my sister.

V1 (Ist form of verb) + ing in Active Voice changes to ‘being + V3’ (IIIrd form of verb) in Passive Voice.
 

SBI CBO Mock Test - 1 - Question 10
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Directions: In each of the following questions a sentence is given with one blank. You have to fill the blank with one of the words given as options in order to make the sentence contextually and grammatically correct.

Single-use plastic refers to the entire class of items that are used once and then _______________ of.
Detailed Solution for SBI CBO Mock Test - 1 - Question 10

The presence of the preposition ‘of’ after the blank eliminates options B, C and E.

Option A is contextually incorrect.

‘Disposed of’ makes the sentence correct both grammatically and contextually.

Option D is hence the correct option.

SBI CBO Mock Test - 1 - Question 11
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_____________ is defined as the availability and equality of opportunities to access financial services and refers to a process by which individuals and businesses can access appropriate, affordable, and timely financial products and services.
Detailed Solution for SBI CBO Mock Test - 1 - Question 11

Financial Inclusion is defined as the availability and equality of opportunities to access financial services and refers to a process by which individuals and businesses can access appropriate, affordable, and timely financial products and services.

SBI CBO Mock Test - 1 - Question 12
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__________ is a classification used by financial institutions for loans and advances on which the principal is past due and on which no interest payments have been made for some time.
Detailed Solution for SBI CBO Mock Test - 1 - Question 12

Non-Performing Asset is a classification used by financial institutions for loans and advances on which the principal is past due and on which no interest payments have been made for some time.

SBI CBO Mock Test - 1 - Question 13
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________ is an electronic banking outlet that allows customers to complete basic transactions without the aid of a branch representative or teller.
Detailed Solution for SBI CBO Mock Test - 1 - Question 13

The automated Teller Machine is an electronic banking outlet that allows customers to complete basic transactions without the aid of a branch representative or teller.

SBI CBO Mock Test - 1 - Question 14
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With reference to the financial institutions in India, which of the following is/are the Development Financial Institutions in India?

  1. Reserve Bank of India
  2. National Bank for Agriculture and Rural Development
  3. National Housing Bank
  4. SIDBI

Select the correct answer using the code given below.
Detailed Solution for SBI CBO Mock Test - 1 - Question 14

A Development Financial Institution (DFI)

  • It is defined as “an institution endorsed or supported by the Government of India primarily to provide development/Project finance to one or more sectors or sub-sectors of the economy.
  • India’s first DFI was operationalized in 1948 and it set up State Financial Corporations (SFCs) at the state level after passing of the SFCs Act, 1951, succeeded by the development of the Industrial Finance Corporation of India (IFCI).
  • DFIs can be classified into four categories of institutions as per their functions:
    • National Development Banks e.g. IDBI, SIDBI, ICICI, IFCI, IRBI, IDFC
    • Sector-specific financial institutions e.g. TFCI, EXIM Bank, NABARD, HDFC, NHB
    • Investment Institutions e.g. LIC, GIC, and UTI
    • State-level Institutions e.g. State Finance corporations and SIDCs
    • Specialized development financial institutions (DFIs), such as Industrial Finance Corporation of India (IFCI), Industrial Development Bank of India (IDBI), National Bank for Agriculture and Rural Development (NABARD), National Housing Board (NHB) and Small Industry Development Bank of India (SIDBI), with majority ownership of the RBI were launched to meet the long-term financing needs of industry and agriculture in India for driving growth in our economy post-independence.

Though, RBI does not engage in direct financing. There is no specific use of the term 'DFI' in either the RBI Act, 1934 or the Companies Act, 1956 or various statutes establishing DFIs.
Hence, Option 4 is the correct answer.

SBI CBO Mock Test - 1 - Question 15
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How many All India Financial Institutions are there at present regulated by the Reserve Bank of India (RBI)?
Detailed Solution for SBI CBO Mock Test - 1 - Question 15

There are five development finance institutions regulated by the Reserve Bank of India.

SBI CBO Mock Test - 1 - Question 16
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Which was the first statutory measure (Act) to regulate life business in India?
Detailed Solution for SBI CBO Mock Test - 1 - Question 16
  • The Indian Life Assurance Companies Act, 1912 was the first statutory measure to regulate life business.
  • In 1928, the Indian Insurance Companies Act was enacted to enable the Government to collect statistical information about both life and non-life business transacted in India by Indian and foreign insurers including provident insurance societies.
  • In 1938, with a view to protecting the interest of the Insurance public, the earlier legislation was consolidated and amended by the Insurance Act, 1938 with comprehensive provisions for effective control over the activities of insurers.
  • The Insurance Amendment Act of 1950 abolished Principal Agencies. However, there were a large number of insurance companies and the level of competition was high. So the government of India decided to nationalize the life insurance business in India.
SBI CBO Mock Test - 1 - Question 17
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Under which Act is a Land Development Bank registered in our country?
Detailed Solution for SBI CBO Mock Test - 1 - Question 17

Land Development Banks (LDBs) are essentially co-operative institutions. All the LDBs are registered under the Co-operative Societies Act.

SBI CBO Mock Test - 1 - Question 18
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A cash credit account will become NPA if it ________
Detailed Solution for SBI CBO Mock Test - 1 - Question 18
  • NPA stands for Non-Performing Asset.
  • It is an asset when it ceases to generate income for the bank and becomes overdue for more than 90 days.
  • It places a financial burden on the lender.
  • NPA is categorized into 3 categories:
    • Sub-standard assets: For less than 12 months.
    • Doubtful assets: For more than 12 months.
    • Loss assets: The one that needs to be fully written off. 
  • 'Project Sashakt India AMC' has been implemented by the government to tackle the problem of NPAs.
  • The project is recommended by Sunil Mehta Committee.
  • SBI has the highest NPA in India with over Rs. 1.86 lakh crore followed by Punjab National Bank and Bank of India.
SBI CBO Mock Test - 1 - Question 19
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Under which of the following committee's recommendations in 1999, the Insurance Regulatory and Development Authority (IRDA) was constituted as an autonomous body to regulate and develop the insurance industry?
Detailed Solution for SBI CBO Mock Test - 1 - Question 19

EARLY INSURERS

  • In 1972 with the passing of the General Insurance Business (Nationalisation) Act, general insurance business was nationalized with effect from 1st January 1973. 107 insurers were amalgamated and grouped into four companies, namely National Insurance Company Ltd., the New India Assurance Company Ltd., the Oriental Insurance Company Ltd, and the United India Insurance Company Ltd. The General Insurance Corporation of India was incorporated as a company in 1971 and it commenced business on January 1sst 1973. This millennium has seen insurance come a full circle in a journey extending to nearly 200 years.
  • The process of re-opening of the sector had begun in the early 1990s and the last decade and more has seen it been opened up substantially. 

MALHOTRA COMMITTEE

  • In 1993, the Government set up a committee under the chairmanship of RN Malhotra, former Governor of RBI, to propose recommendations for reforms in the insurance sector. The objective was to complement the reforms initiated in the financial sector. 
  • The committee submitted its report in 1994 wherein, among other things, it recommended that the private sector be permitted to enter the insurance industry. They stated that foreign companies be allowed to enter by floating Indian companies, preferably a joint venture with Indian partners.
SBI CBO Mock Test - 1 - Question 20
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Under whose recommendation was Imperial bank of India nationalized and renamed as State Bank of India on July 1, 1955?
Detailed Solution for SBI CBO Mock Test - 1 - Question 20

On the Gorewala Committee's recommendation, the Imperial Bank was nationalized in 1955 and renamed the State Bank of India.

SBI CBO Mock Test - 1 - Question 21
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What was the authorized capital of the Reserve Bank of India at the time of establishment?
Detailed Solution for SBI CBO Mock Test - 1 - Question 21

At the time of establishment, the authorized capital of the Reserve Bank of India was Rs. 5 crores.

SBI CBO Mock Test - 1 - Question 22
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_______ is the place where data is held in an electromagnetic or optical form for access by a computer processor.
SBI CBO Mock Test - 1 - Question 23
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A device that allows users to feed data into a computer for analysis and storage and to give commands to the computer is called _______________.
Detailed Solution for SBI CBO Mock Test - 1 - Question 23

Using a device known as a data input device, users can provide data to a computer for analysis and storage while also issuing orders to the computer.

SBI CBO Mock Test - 1 - Question 24
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A/ An ______ is a procedure used for solving a problem or performing a computation.
Detailed Solution for SBI CBO Mock Test - 1 - Question 24

An algorithm is a procedure used for solving a problem or performing a computation. Algorithms act as an exact list of instructions that conduct specified actions step by step in either hardware- or software-based routines. Algorithms are widely used throughout all areas of IT.

SBI CBO Mock Test - 1 - Question 25
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Without using the mouse or the arrow keys, what is the fastest way of getting to cell A1 in a spreadsheet?
Detailed Solution for SBI CBO Mock Test - 1 - Question 25

In MS-Excel, without using the mouse or the arrow keys, the fastest way of getting to cell A1 is to press Ctrl+Home key in a spreadsheet.

SBI CBO Mock Test - 1 - Question 26
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To what kind of files does MPEG extension refer?
Detailed Solution for SBI CBO Mock Test - 1 - Question 26

Common digital video format standardised by the Moving Picture Experts Group (MPEG); typically incorporates MPEG-1 or MPEG-2 audio and video compression; often used for creating movies that are distributed on the Internet.

SBI CBO Mock Test - 1 - Question 27
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_______ Transmission is required for keyboard and computer communication.
Detailed Solution for SBI CBO Mock Test - 1 - Question 27

Communication between a computer and a keyboard involves simplex transmission because here data flows in a single direction. Simplex transmission is a type of transmission mode.

SBI CBO Mock Test - 1 - Question 28
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_________ is a startup sequence that starts the operating system of a computer when it is turned on.
Detailed Solution for SBI CBO Mock Test - 1 - Question 28

Booting is a startup sequence that starts the operating system of a computer when it is turned on.The initial collection of tasks that the computer carries out when it is turned on is known as the boot sequence.

SBI CBO Mock Test - 1 - Question 29
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Which of the following languages may be understood by a computer?
Detailed Solution for SBI CBO Mock Test - 1 - Question 29

Machine language is the only language that a computer can understand or use. It can be understood by computers because it simply has binary values of 0s and 1. Simply explained, the computer only comprehends binary code, which consists of 0s and 1s.

SBI CBO Mock Test - 1 - Question 30
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The two broad categories of software are--------.
Detailed Solution for SBI CBO Mock Test - 1 - Question 30

The two broad categories of software are system and application.

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