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IBPS > Passage Completion

Explore popular questions from Passage Completion for IBPS. This collection covers Passage Completion previous year IBPS questions hand picked by experienced teachers.

Q 1.

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In the following questions a short passage is given with one of the lines in 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.
After the East Asia crisis, the World Bank conducted a study on the underlying reasons for the crisis. It was found that at least a major part of the fundamental responsibility was on banks, which had understated their non performing accounts by as much as 47%. Since this was a study and not an investigation...........Nevertheless, the Basel committee on supervision did take cognizance, and issued circulars and directives not only on supervision, but also on Internal Functional Management. It will be remembered by those interested that Basel committee had also acted expeditiously after the Barring Bank's failure, to separate treasury and lending operations from the decision making processes. Bank failures are nothing new in the world, although we in India have been insulated g from such traumas for more than two decades.

A

The findings were not taken note of

B

The findings were not taken seriously

C

The findings were not legally binding on any one

The fallout from this revelation was only taken note of

E

The fallout from this revelation was seriously taken

Explanation

As a study report is not a legal document it is not binding on anyone. Sentence represents study in a lighter vein so it must not be taken seriously but as the study is done there must be some purpose of it and results at least is taken note of. This logic brings to the option (d) which is correct part to complete the incomplete sentence of passage.

Q 2.

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In the following questions a short passage is given with one of the lines in 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.
But no depreciation is allowed on Live Stock i.e. Horses. Although the horses are in the nature of fixed assets in the hands of the owner, no depreciation is allowed under Income Tax Act. Instead when the animal dies or becomes permanently useless the entire value of the horse can be written off as revenue loss in the year in which it dies or becomes permanently useless. When the gross income exceeds the total expenditure, it results in net profit which will be taxable at usual rates of tax applicable to the person. .......................Although the live stock is in the nature of fixed assets of the owners buy them, maintain them, train them, and participate in races and Sell them or send them away to studs when they are useless.

But when the gross income is less than the expenditure, then results in loss

B

But when the gross income is higher than the expenditure, then results in loss

C

But when the gross income is equal to expenditure then result is loss

D

But when the gross income is there loss is the result

E

But when the gross income is increasing then result is becoming evident

Explanation

It is only logical option other options do not follow any logic. If income is less than expenditure is less than income than there is definitely a loss.

Q 3.

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In the following questions a short passage is given with one of the lines in 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.
Aggregation of risks is somewhat quite new to banks in
India. While some banks have started thinking in that line by trying to put integrated limits framework and integrated risk policies as well as using CBS solutions for technological integration, the effort required is beyond such requirement. Risk aggregation would mean aggregating the individual risk measures to decide most appropriate assets class that would contain the risk to the desired level dictated by the risk appetite .Capital allocation (about how much) would be based on such strategies........

Most banks are yet to conceptualize the same in their processes

B

Most banks have already integrated it in their functioning; it is working over the years satisfactorily.

C

Which would in long run prove to be the growth impeding

D

Of risk aggregation which is really a new concept to Indian banks

E

On expected lines of the regulation conditions laid down in the manual of the bank

Explanation

As the passage says that risk aggregation is new at the beginning of passage it can be inferred that most banks are yet to conceptualize it in their processes.
Hence option (a) is correct. Option (c) is farfetched conclusion. Option (d) is repetition of what is being stated in passage earlier. So it can not be the answer.

Q 4.

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Which of the phrases (a), (b), (c) and given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark , ie ‘None of these', as the answer.
Refuting the rationale behind frequent agitations for formation of separate States, a recent report ______ .

A

proved that such agitations result in loss of governmental property

B

indicated that the formation of small states does not necessarily improve the economy

suggested that only large-scale agitations have been effective in bringing out desired change in the past

D

recommended dividing large States into smaller ones to improve governance

E

None of these

Q 5.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark , ie ‘None of these', as the answer.
Overlooking the fact that water scarcity intensifies during summer, ____________.

A

the government issued guidelines to all builders to limit their consumption to acceptable limits

B

provision for rainwater harvesting has been made to aid irrigation in drought-prone areas

C

the water table did not improve even after receiving normal monsoon in the current year

many residential areas continue to use swimming pools, wasting large quantities of water

E

None of these

Q 6.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark , ie ‘None of these', as the answer.
He has lost most of his life's earning in the stock market but .

he still seems to be leading his life luxuriously and extravagantly

B

he could not save enough to repay his enormous debts

C

stock market is not a safe option to invest money unless done with caution

D

experts have been suggesting to avoid investments in stock market because of its unpredictable nature

E

None of these

Q 7.

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Which of the phrases (a), (b), (c) and given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark , ie ‘None of these', as the answer.
Achieving equality for women is not only a laudable goal,

A

political reforms are also neglected preventing women from entering legislatures and positions of power

B

the problem is also deep-rooted in the society and supported by it

C

their empowerment is purposefully hampered by people with vested interests in all sections of the society

D

it is also equally difficult to achieve and maintain for a long term

None of these

Q 8.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark , ie ‘None of these', as the answer.
_____________ or else they would not keep electing him year after year.

A

The party leader gave a strong message to the mayor for improving his political style

B

Owing to numerous scandals against the mayor, he was told to resign from the post immediately

C

The mayor threatened the residents against filing a complaint against him

The residents must really be impressed with the political style of their mayor

E

None of these

Q 9.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
.........the soil today is nowhere as rich in native minerals as it used to be some centuries ago.

A

As there is a growing consent among farmers regarding limiting the use of chemical fertilizers

B

As the chemical inputs in agriculture improved the yield many folds

Owing to the uninhibited use of chemical inputs in agriculture

D

Awareness among farmers regarding the side effects of chemical farming grew when

E

None of the above

Q 10.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
Although information technology has entered the homes, offices and hearts of many citizens of India, .... .

A

India provides the highest number of IT experts to the world every year

many people in rural areas still remain ignorant of its immense benefits

C

government has done its best by funding research in this field appropriately

D

the face of communication in the years to come would change completely from the bygone years

E

None of the above

Q 11.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
While the environment friendly nuclear energy could make a large addition to the energy resources, .... .

A

experts have a lot of expectations from this cleaner method of producing energy

B

the government is determined to extract maximum out of this technology in the near future

C

international lobby has been pressurizing the developing nations to shift their energy production from coal to nuclear power.

the problem of locating adequate numbers of Uranium reserves to run the reactors is yet be sorted out

E

None of the above

Q 12.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
experts proposed the idea of a common school system.

A

Overlooking the fundamental right of quality education of every child in India

B

Since the curricular requirements of a rural child is different from an urban child

Based on the fact that difference in the quality of schools acts as a ground for discrimination

D

Since a large percentage of Indian children are getting free aducation

E

None of the above

Q 13.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
As allegations of crores of rupees changing hands to permit illegal mining began to fly thick and fast, .. .

government ordered an enquiry which exposed a nexus between mine operators and bureaucrats

B

it caused great damage to the surrounding ecosystem and the environment in general

C

the officials have been irresponsible in failing to bring it to the notice of the court in time

D

the powerful mining lobby had bribed the officials to obtain permit for mining on ecologically sensitive land

E

None of the above

Q 14.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
After two years, high inflation moderated in the later part of 2015-16 in response to past monetary tightening and growth deceleration. High inflation had adverse consequences on welfare and on saving and investment, particularly household saving in financial assets. The most serious consequence
of inflation is...............As growth slowed down, in part due to high inflation, it further reduced the welfare of the common man through adverse impact on employment and incomes.

A

its destructive allocation impact on the industries that were lately coming up.

B

its negative impact on the rich and high-profile people.

its adverse distributional impact on the poor, people without social security and pensioners.

D

its wayward consequences on the public distribution system meant for the poor.

E

its unfavourable bearing on day to day commodities that are used by the common man.

Explanation

The passage talks of the consequences of inflation and what is impacted the most by its consequences is the poor, people without social security and pensioners. Hence, (c) is the right answer.

Q 15.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
Current indications are that fiscal targets can again be missed in 2015-16, unless immediate remedial measures are undertaken. The risks to fiscal targets laid down for 2015-16 are large if the envisaged tax buoyancies are not realised and the cap on subsidies is not adhered to. During the first quarter of 2015-16, the fiscal deficit of the central government was more than one third of the budget estimate for the whole year. Estimates of fiscal multipliers for India show that while impact multiplier on growth is higher for revenue and expenditures, the long-run multiplier is higher for capital outlays. In this context, credible fiscal consolidation is crucial for improving long-run growth prospects.

A

accompanied with macro-financial stability

B

accompanied with an expenditure switching strategy that reduces government's revenue spending

C

accompanied with the human face of its financial policy

D

accompanied with a greater thrust on effective financial inclusion

accompanied with higher capital outlay

Explanation

seems to be the only logical option as the passage infers credible fiscal consolidation that may only be accompanied with higher capital outlay. Other options are not relevant to the context.

Q 16.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
With limited fiscal and monetary space available to provide a direct stimulus to domestic growth, an expenditure switching policy is needed that reduces government's revenue spending by cutting subsidies and using the resources so released to step up public capital expenditures. Such an action would also provide some space for monetary policy, but, importantly, lower interest rates alone are unlikely to jumpstart the investment cycle. Fast-tracking of infrastructure projects and pending regulatory clearances..............................The Government has initiated some steps to augment the production potential of core sectors, in particular mining, in the recent period.

A

will be detrimental to exports

B

will hamper the economic growth

will help to boost investments

D

will encourage to boost the performance of core industries.

E

will lead revival of industrial growth

Explanation

As the sentence preceding to the blank cites the investment cycle, the option (c) seems to be the most logical. Other options do not fit in the blank.

Q 17.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
During 2011-12, the Reserve Bank continued with its efforts to strengthen security features of banknotes and increase public awareness .......................There was a marked decline in the volume and value of small coins in circulation in 2011-12 as coins of denomination of 25 paise and below ceased to be legal tender from June 30, 2011. A committee constituted by the government is examining the issues relating to the increase in demand for coins and supply/ distribution bottlenecks.

to address the challenge of counterfeit notes

B

to initiate steps to encourage debit/credit cards in place of banknotes

C

to handle the situation of using smaller denomination of coins

D

to cover the expenses of printing new banknotes

E

to stop the menace of black money

Explanation

As the passage talks of security features of banknotes, it may possibly tell about the challenge of counterfeit notes; hence option (a) is the correct. Other options do not conform to the blank.

Q 18.

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DIRECTIONS : Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
Although information technology has entered the homes offices and hearts of many citizens of India, ____________ .

A

India provides the highest number of IT experts to the world every year

many people in rural areas still remain ignorant of its immense benefits

C

government has done its best by funding research in this field appropriately

D

the face of communication in the years to come would change completely from the by gone years

E

None of these

Q 19.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
While the environment-friendly nuclear energy could make a large addition to the energy resources, ______________ .

A

experts have a lot of expectations from this cleaner method of producing energy

B

the government is determined to extract maximum out of this technology in the near future

C

international lobby has been pressurising the developing nations to shift their energy production from coal to nuclear power.

the problem of locating adequate numbers of uranium reserves to run the reactors is yet to be sorted out

E

None of these

Q 20.

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Incorrect-0.25

Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
experts proposed the idea of a common school system.

A

Overlooking the fundamental right of quality education of every child in India

B

Since the curricular requirements of a rural child is different from an urban child

Based on the fact that difference in the quality of schools acts as a ground for discrimination

D

Since a large percentage of Indian children are getting free education

E

None of these

Q 21.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
the soil today is nowhere as rich in native minerals as it used to be some centuries ago.

A

As there is a growing consent among farmers regarding limiting the use of chemical fertilizers

B

As the chemical inputs in agriculture improved the yield many folds

Owing to the uninhibited use of chemical inputs in agriculture

D

Awareness among farmers regarding the side-effects of chemical farming grew when

E

None of these

Q 22.

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Which of the phrases (a), (b), (c) and (d) given below each statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the sentences is appropriate, mark (e) as the answer.
As allegations of crores of rupees changing hands to permit illegal mining began to fly thick and fast, ________________.

government ordered an enquiry which exposed a nexus between mine operators and bureaucrats

B

it caused great damage to the surrounding ecosystem and the environment in general

C

the officials have been irresponsible in failing to bring it to the notice of the court in time

D

the powerful mining lobby had bribed the officials to obtain permit for mining on ecologically sensitive land

E

None of these