GENERAL AWARENESS PRACTICE MCQs FOR SBI SPECIAL MANAGEMENT EXECUTIVES EXAM

1. Deposit Insurance and Credit Guarantee Corporation Act was passed in....
1) 1985
2) 1991
3) 2001
4) 1961
5) 2002

2. To provide insurance of deposits and guaranteeing of credit facilities, Deposit Insurance and Credit Guarantee Corporation (DICGC) was established. It’s headquarters is at......
1) Hyderabad
2) Kolkata
3) Pune
4) Bangalore
5) Mumbai

3. Authorised capital of DICGC is Rs.50 crore, which is fully issued and subscribed by ....
1) RBI
2) SBI
3) LIC
4) State government of Maharashtra
5) NABARD

4. The bank covered by the Deposit Insurance Scheme of DICGC is .....
1) Public sector banks
2) Private Sector banks
3) Foreign banks
4) Co-operative banks as defined in Section 2(gg) of the DICGC Act
5) All of the above

5. Insurance cover of Deposit Insurance and Credit Guarantee Corporation limited to.....
1) Rs.1,000
2) Rs.5,000
3) Rs.50,000
4) Rs.1,00,000
5) None

6. The deposits covered under the DICGC Act.....
1) Savings Account
2) Current Account
3) Fixed Deposit
4) Recurring Deposit
5) All of the above

7. The deposits not covered under DICGC Act is.....
1) Deposits of Central/ State governments
2) Inter-bank deposits
3) Any amount due on account of and deposit received outside India
4) Deposits of foreign governments
5) All of the above

8. Premium to be paid for insurance of bank deposits under Deposit Insurance and Credit Guarantee Corporation currently......
1) Deposits in rupees rounded to thousands X 0.05 / 100
2) Deposits in rupees rounded to thousands X 1.00 / 100
3) Deposits in rupees rounded to thousands X 0.50 / 100
4) Deposits in rupees rounded to thousandsX 02.00/ 100
5) None

9. Under DICGC Act, the insured bank is required to remit premium not later than the last day of May and each year.....
1) November
2) December
3) October
4) July
5) None

10. The concept of insuring deposits kept with banks received attention for the first time in the year 1948 after the banking crises in....
1) Karnataka
2) AP
3) Delhi
4) Ahmedabad
5) Bengal

11. Which committee supported the insuring of banking deposits in 1950?
1) Hilton-Young commission
2) C.Ranga Rajan Committee
3) Rural Banking Enquiry Committee
4) V.K.Rao committee
5) None

12. The present Chairman of DICGC  ....
1) H.R. Khan
2) R. Gandhi
3) Dr. Nachiket M. Mor
4) K.C. Chakravarthy
5) Urjith Patel

13. Insurance covered under the DICGC....
1) only principle amount deposit
2) only interest accrued on principle
3) principle and interest accrued for the first three months on principle
4) both principle and interest
5) interest accrued first year only

14. Who pay the insurance premium to cover the Rs.1 lakh bank deposits?
1) Customer
2) Guardian of the customer
3) Bank
4) Nominee of the customer
5) None

15. To which bank Arun Jaitley allocated a sum of Rs.200 crores to NABARD for setting up of mega food parks on 18 July 2014?
1) SBI
2) RBI
3) SIDBI
4) Yes Bank
5) NABARD

16. YES Bank, which international money transfer company launched an online money transfer service with instant deposits to NRI customer accounts with any bank in India....
1) Rupay
2) Instant Pay
3) Voltaire
4) Pay tell
5) Transfast

17. Which of the following option is correct?
1) RBI kicked off a pilot project on 10 June 2014 that will allow a few mobile payment providers to test cash withdrawal facilities for a small portion of their semiclosed mobile wallet users.
2) In it sender and beneficiary's wallet will be seeded with Aadhaar number.
3) When the money transfer happens, the receiver, who does not have a bank account, can walk to a mRUPEE outlet and receive the cash after authenticating his identity with the biometric (finger print scanning).
4) Tata Teleservices' mobile wallet paymentbased service mRUPEE is one of the eight participants in the RBI pilot project.
5) All of the above

18. By mid June 2014, Bank credit grew at ........ percent year-on-year to Rs.60,90,030
crore.
1) 18.25
2) 13.88
3) 11.25
4) 19.25
5) 21.25

19. The RBI granted banking licences to IDFC and microfinance institution Bandhan Micro Finance Institute. The in-principle approval granted will be valid for a period of ...... completely with the requirements.
1) 6 months
2) 9 months
3) 12 months
4) 15 months
5) 18 months

20. The debit card can be used for....
1) Make Point of Sale (POS) purchase
2) Withdraw cash at ATM
3) Online shopping
4) 1 & 3 only
5) All of the above

21. The Government of India has authorized the Reserve Bank of India (RBI) to issue debt instruments up to a ceiling of ...... under the Market Stabilization Scheme (MSS) for the fiscal 2014-15.
1) Rs.20,000 crore
2) Rs.30,000 crore
3) Rs.40,000 crore
4) Rs.70,000 crore
5) Rs.50,000 crore

22. On 16 July 2014, which company has emerged as the country's top Non- Performing Asset (NPA) after it has failed to repay loans of over Rs.4,000 crore borrowed mainly from state-owned banks?
1) India Cement
2) Morgan Stanley
3) Videocon
4) Jet Airlines
5) Kingfisher

23. On 15 June 2014, the central government said only five States had fully implemented the National Food Security Act, 2013. They are Chhattisgarh, Haryana, Maharashtra, Rajasthan and ......
1) AP
2) West Bengal
3) Tamilnadu
4) Kerala
5) Punjab

24. Which nation has third highest number of HIV - infected people as the report given on 17 July 2014 UNAIDS, the United Nations programme on HIV / AIDS?
1) South Africa
2) Nigeria
3) India
4) USA
5) None

25. Union Minister of State for Youth Affairs and Sports said on 25 July 2014 that the government till now released Rs.144 crore to Assam for updating the National Register of Citizens (NRC) following a Supreme Court directive in 2006. The minister name is....
1) Sarbananda Sonowal
2) Uma Bharathi
3) V.K.Singh
4) Nirmala Sitharaman
5) None

26. ....... became the first Indian company to exceed Rs.5 lakh crore in market capitalization
on 23 July 2014.
1) Infosys
2) TCS
3) Tech Mahindra
4) Sincom
5) None

27. Union Government constituted a core group to work out a detailed action plan to eradicate the dreaded vector-borne disease, Kala Azar by .....
1) 2015
2) 2020
3) 2019
4) 2018
5) None

28. Inter-island air service operation in Andaman and Nicobar connecting Port Blair and Car Nicobar. What is the capital of Andaman-Nicobar islands?
1) Kavaratti
2) Itanagar
3) Gangtok
4) Port Blair
5) None

29. ......... appointed as the Governor of Haryana on 25 July 2014.
1) K.S. Solanki
2) Balram Das Tandon
3) Keshari Nath Tripathi
4) E.L. Narasimhan
5) None

30. Kargil Vijay Diwas celebrated on....
1) 26 July
2) 26 June
3) 26 May
4) 26 April
5) None

31. Who has been appointed as the Chairman of International Cricket Council (ICC) on 26 June 2014?
1) Sunil Gavaskar
2) David Boon
3) N. Srinivasan
4) Jeff Boycott
5) None

32. President of International Cricket Council (ICC).....
1) Mustafa Kamal
2) David Boon
3) Sanath Jayasurya
4) Anil Kumble
5) None

33. 'Great Sport Great Spirit' is the motto of....
1) Olympic Committee
2) International Cricket Council
3) Indian Olympic Committee
4) Winter Olympic Games
5) None

34. Where is the headquarters of International Cricket Council (ICC)?
1) Kolkata
2) Durban
3) Dubai
4) Lords
5) Sydney

35. Indian Grand Prix Formula One Championship won by .......
1) Lewis Hamilton
2) Mark Weber
3) Daniel Ricciardo
4) Sebastian Vettel
5) None

ANSWERS:
1-4, 2-5, 3-1, 4-5, 5-4, 6-5, 7-5, 8-1, 9-1, 10-5
11-3, 12-5, 13-4, 14-3, 15-5, 16-5, 17-5, 18-2, 19-5, 20-5
21-5, 22-5, 23-5, 24-3, 25-1, 26-2, 27-1, 28-4, 29-1, 30-1
31-3, 32-1, 33-2, 34-3, 35-4.

GENERAL AWARENESS PRACTICE QUESTIONS FOR SBI SPECIAL MANAGEMENT EXECUTIVES EXAM

1. Which country will host the IBSA Summit in 2015?
1) India
2) Brazil
3) South Africa
4) Singapore
5) Australia

2. Who won the German Grand Prix car racing on July 20, 2014?
1) Lewis Hamilton
2) Nico Rosberg
3) Sebastian Vettel
4) Fernando Alonso
5) Daniel Ricciardo

3. The five BRICS countries agreed to set up the New Development Bank (NDB) with a capitalization of $100 billion. The headquarters of the Bank will be in?
1) Beijing
2) Hong Kong
3) Shanghai
4) New Delhi
5) Fortaleza

4. Who was declared the winner of Indonesia's Presidential election on July 22, 2014?
1) Prabowo Subianto
2) Jusuf Kalla
3) Fauzi Bowo
4) Joko Widodo
5) None of these

5. The first President of the New Development Bank (NDB) shall be from?
1) Brazil
2) Russia
3) China
4) South Africa
5) India

6. Who was appointed the Brand Ambassador of Telangana State in July 2014?
1) Saina Nehwal
2) V.V.S. Laxman
3) Sania Mirza
4) Gagan Narang
5) None of these

7. Who won his first British Open Golf title of his career on July 20, 2014?
1) RoryMcIlroy
2) Rickie Fowler
3) Sergio Garcia
4) Adam Scott
5) Marc Leishman

8. Who is the Indian flag bearer at the opening ceremony of the 20th Commonwealth Games in Glasgow on July 23, 2014?
1) Abhinav Bindra
2) Yogeshwar Dutt
3) Dipika Pallikal
4) Vijay Kumar
5) Saurav Ghosal

9. Environmentalist and social activist Chandi Prasad Bhatt is associated with which of the following movements?
1) Save Silent Valley
2) Narmada Bachao Andolan
3) Save Kudremukh
4) Chipko movement
5) Sarvodaya movement

10. The President Pranab Mukherjee awarded the International Gandhi Award for the year 2013 on February 15, 2014 to?
1) Vijaykumar Vinayak Dongre
2) Guocheng Zhang
3) Ela Gandhi
4) Both 1 and 2
5) All 1, 2 and 3

11. Eminent Hindi writer Vishwanath Tripathi has been selected for the Vyas Samman for 2013 for his book?
1) Dhool Paudho Par
2) Abhi Bilkul Abhi
3) Vyomkesh Darvesh
4) Yahan Se Dekho
5) None of these

12. Renaud Lavillenie established a new pole vault indoor world record by clearing 6.16 meters on February 15, 2014. He is a Olympic champion from?
1) Russia
2) France
3) Spain
4) Ukraine
5) Germany

13. Chandi Prasad Bhatt is the founder of which of the following organizations?
1) Barefoot College
2) Krishak Mukti Sangram Samiti
3) Mazdoor Kisan Shakti Sangathan
4) Dasholi Gram Swarajya Sangh
5) None of these

14. Who became only the second cricketer to hit a triple century and a century in the same Test match on February 7, 2014?
1) Joe Root
2) Alastair Cook
3) Mahela Jayawardane
4) Kumar Sangakkara
5) Michael Clarke

15. Who became the first captain to have participated in four one day international tied matches in January 2014?
1) George Bailey
2) Alastair Cook
3) Mahendra Singh Dhoni
4) Graeme Smith
5) AB de Villiers

16. Amar Kant, Jnanpith Award winner in 2009, passed away on February 17, 2014. He was a writer in which of the following languages?
1) Urdu
2) Hindi
3) Sanskrit
4) Odia
5) Kannada

17. Sudhir Mahato died on January 22, 2014. He was the former deputy Chief Minister of?
1) Jharkhand
2) Bihar
3) Chhattisgarh
4) Madhya Pradesh
5) Haryana

18. Telugu film actor Akkineni Nageswara Rao passed away on January 22, 2014. He won the Dada Saheb Phalke award in?
1) 1986
2) 1987
3) 1988
4) 2009
5) 1990

19. Euthanasia or mercy killing is legal in which of the following countries?
1) Netherlands
2) Belgium
3) Luxembourg
4) Both 1 and 2
5) All 1, 2 and 3

20. Who was appointed as the Chairperson of the Board of Governors of the Indian Institute of Management-Bangalore (IIMB) in February 2014?
1) Chanda Kochhar
2) Nainalal Kidwai
3) Mallika Srinivasan
4) Kiran Mazumdar-Shaw
5) Vineeta Bali

21. Yale University released the 2014 Environmental Performance Index (EPI), ranking 178 countries.
Which country topped the list?
1) Switzerland
2) Luxembourg
3) Australia
4) Singapore
5) Czech Republic

22. What is India's rank at the 2014 Environmental Performance Index?
1) 77
2) 155
3) 118
4) 73
5) 148

23. Which country finished at the bottom of the 2014 Environmental Performance Index with 178th rank?
1) Afghanistan
2) Lesotho
3) Haiti
4) Mali
5) Somalia

24. South Sudan's government and rebels signed a ceasefire agreement on January 23, 2014 in
Addis Ababa, the capital city of?
1) Somalia
2) South Sudan
3) Sudan
4) Angola
5) Ethiopia

25. Hamad bin Isa Al Khalifa visited India in February 2014. He is the King of which of the following
countries?
1) Kuwait
2) Saudi Arabia
3) United Arab Emirates
4) Oman
5) Bahrain

26. The University of Cumbria is the first public university in the world to accept the digital currency bitcoin for tuition fees. This university is in?
1) UK
2) USA
3) Australia
4) Mexico
5) Canada

27. Erlan Abdyldaev visited India in February 2014. He is the Foreign Minister of?
1) Turkmenistan
2) Kyrgyzstan
3) Kazakhstan
4) Uzbekistan
5) Ukraine

28. The Union Government has set up an expert committee to study and examine the demand of a separate Bodoland State to be carved out of?
1) Uttar Pradesh
2) West Bengal
3) Nagaland
4) Assam
5) Arunachal Pradesh

29. To study the demand of a separate Bodoland State, the government has set up a one-man expert
committee of former Union Home Secretary?
1) V.K. Duggal
2) R.K. Singh
3) Naresh Chandra
4) G.K. Pillai
5) Madhukar Gupta

30. The Andhra Pradesh Reorganization Bill, 2014 was passed by the Lok Sabha on?
1) February 13
2) February 16
3) February 15
4) February 17
5) February 18

31. The Andhra Pradesh Reorganization Bill, 2014 was passed by the Rajya Sabha on?
1) February 18
2) February 19
3) February 20
4) February 21
5) February 22

32. Which of the following committees had recommended setting up of the Equal Opportunities Commission
(EOC) for minorities?
1) Justice Sachar Committee
2) Justice Ranganath Mishra Committee
3) Justice Sri Krishna Committee
4) Justice J.S. Verma Committee
5) None of these

33. The Green India Mission aims to improve and increase India's diminishing forest cover. What is the total expenditure envisaged for this scheme in the 12th fiveyear plan period?
1) Rs 21,000 crore
2) Rs 15,000 crore
3) Rs 13,000 crore
4) Rs 46,000 crore
5) Rs 27,000 crore

34. The Union Government will provide what percent of the funds for implementing the Green India
Mission scheme in the north eastern states?
1) 50 percent
2) 75 percent
3) 100 percent
4) 90 percent
5) 60 percent

35. Who is the author of the book "Maverick Unchanged, Unrepentant"?
1) Soli Sorabjee
2) Prashant Bhushan
3) Ram Jethmalani
4) Shanti Bhushan
5) A.G.Noorani

36. The National Waqf Development Corporation Limited (NAWADCO) is a new central public sector
enterprise under the Ministry of?
1) Home Affairs
2) Overseas Indian Affairs
3) Corporate Affairs
4) Law and Justice
5) None of these

37. World Autism Awareness Day is observed every year on?
1) June 2
2) July 2
3) August 2
4) April 2
5) May 2

38. In the event of a bank failure, the Deposit Insurance and Credit Guarantee Corporation (DICGC) protects bank deposits that are payable in India. Which of the following types of deposits are insured by the DICGC?
1) Deposits of foreign governments
2) Deposits of central/state governments
3) Inter bank deposits
4) All 1, 2 and 3
5) None of the above

39. What is the currency of Colombia?
1) Colon
2) Sucre
3) Euro
4) Peso
5) Franc

40. QIP is a capital raising tool. QIP stands for?
1) Qualified Initial Proposal
2) Qualified Institutional Proposal
3) Qualified Initial Placement
4) Qualified Institutional Placement
5) None of these


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

GENERAL AWARENESS PRACTICE MCQs FOR SBI SPECIAL MANAGEMENT EXECUTIVES EXAM

1. Anand Kumar was given which of the following awards in 2014?
1) Saraswati Samman
2) Krishi Karman Award
3) International Gandhi Award
4) Gandhi Peace Prize
5) None of these

2. Which country became the 18th member of Eurozone on 2014 January 1?
1) Estonia
2) Lithuania
3) Latvia
4) Slovenia
5) Bulgaria

3. Who is the Chairman of the committee on Comprehensive Financial Services for Small Businesses and Low-Income Households?
1) Urjit Patel
2) Nachiket Mor
3) Anand Sinha
4) P.J. Nayak
5) R. Gandhi

4. Who among the following is not a Padma Bhushan award winner in 2014?
1) Leander Paes
2) P.Gopichand
3) K. Radhakrishnan
4) Ruskin Bond
5) B.K.S. Iyengar

5. Karnataka won the Ranji Trophy Cricket for the seventh time by defeating which of the following teams in the final in January 2014?
1) Maharashtra
2) Punjab
3) Kerala
4) Mumbai
5) Baroda

6. Which of the following global majors is headed by an Indian?
1) Google
2) Yahoo!
3) Facebook
4) Microsoft
5) WhatsApp

7. How many languages in India have got classical language status at present?
1) 3
2) 2
3) 6
4) 4
5) 5

8. Who became the youngest Prime Minister of Italy in February 2014?
1) Enrico Letta
2) Silvio Berlusconi
3) Manuel Valls
4) Matteo Renzi
5) None of these

9. Which of the following is the capital city of Poland?
1) Lisbon
2) Warsaw
3) Prague
4) Bratislava
5) Pristina

10. Which country hosted the Winter Olympics in February 2014?
1) Norway
2) Denmark
3) Ireland
4) Netherlands
5) Russia

11. Ramesh Agarwal of India won which of the following awards in 2014?
1) Goldman Environmental Prize
2) Tang Prize
3) Templeton Prize
4) Abel Prize
5) Marconi Prize

12. Which country will host the Asian Games from 2014 September 19 to October 4?
1) China
2) South Korea
3) India
4) Thailand
5) Vietnam

13. Luis Guillermo Solis became the President of which of the following countries in May 2014?
1) Colombia
2) Portugal
3) Costa Rica
4) Brazil
5) Chile

14. Dalbir Singh Suhag will become India's next?
1) Army Chief
2) Navy Chief
3) Air Force Chief
4) Attorney General
5) None of these

15. The 3rd BIMSTEC Summit was held in March 2014 in which of the following cities?
1) New Delhi
2) Bangkok
3) Colombo
4) Nay Pyi Taw
5) Kathmandu

16. Which film won the Best Film award at the 86th Oscars in March 2014?
1) The Great Beauty
2) 12 Years A Slave
3) The Hunt
4) The Broken Circle
5) American Hustle

17. Crimea was seceded from which of the following countries in March 2014?
1) Georgia
2) Belarus
3) Ukraine
4) Russia
5) Kazakhstan

18. Which of the following teams won the Santosh Trophy Football in March 2014?
1) Kerala
2) Railways
3) Karnataka
4) Sikkim
5) Mizoram

19. Arjun Bahadur Thapa is the new Secretary General of which of the following organizations?
1) BIMSTEC
2) SAARC
3) ASEAN
4) IBSA
5) None of these

20. Who is the inaugural winner of the Genesis Prize in May 2014?
1) Tomas Halik
2) BarackObama
3) Angela Merkel
4) Michael Bloomberg
5) Bill Clinton

21. Rajiv Mathur is the new?
1) CBI Director
2) IB Director
3) Chief Information Commissioner
4) Attorney General
5) Principal Secretary to the Prime Minister

22. The Finance Commission is constituted every?
1) Five years
2) Two years
3) Three years
4) Ten years
5) Four years

23. To look into the issue of black money a Special Investigation Team (SIT) is constituted which
is headed by?
1) Justice A.K. Patnaik
2) Justice M.B. Shah
3) Justice P.C. Ghose
4) Justice Kurian Joseph
5) None of these

24. What is the present Statutory Liquidity Ratio (SLR)?
1) 22%
2) 22.5%
3) 23%
4) 23.5%
5) 24%

25. The Basic Savings Bank Deposit Account (BSBDA) holders will be allowed a maximum of how many withdrawals in a month?
1) Ten
2) Two
3) Three
4) Four
5) Five

26. Jitan Ram Manjhi became the new Chief Minister of which of the following States in May 2014?
1) Jharkhand
2) Chhattisgarh
3) Bihar
4) Meghalaya
5) Manipur

27. Who is the author of the book 'Gandhi Before India'?
1) Bipan Chandra
2) Romila Thapar
3) Kushwant Singh
4) Ramachandra Guha
5) None of these

28. Which of the following States does not have a woman Chief Minister at present?
1) Rajasthan
2) Gujarat
3) Tamil Nadu
4) West Bengal
5) Himachal Pradesh

29. On 2014 May 21 the Bharatiya Mahila Bank was included in the second schedule to the Reserve bank of India Act, ___
1) 1935
2) 1937
3) 1934
4) 1949
5) 1950

30. Which of the following bowlers won the purple cap in the Indian Premier League 7 season?
1) Mohit Sharma
2) Sunil Narine
3) Ravindra Jadeja
4) Sandeep Sharma
5) Mitchell Johnson

31. World Food Day is observed every year on?
1) July 18
2) October 16
3) October 18
4) September 18
5) August 9

32. Madhuri Dixit has been appointed the brand ambassador for Mamta Abhiyaan campaign by which of the following States?
1) Maharashtra
2) Gujarat
3) Madhya Pradesh
4) Chhattisgarh
5) Bihar

33. Vishal Sikka will become the next Chief Executive Officer of which of the following IT majors?
1) Wipro
2) TCS
3) Cognizant
4) Infosys
5) HCL

34. Uma Bharati is the UnionCabinet Minister for?
1) Consumer Affairs
2) Micro, Small and Medium Enterprises
3) Women and Child Development
4) Water Resources and Ganga Rejuvenation
5) None of these

35. Who is the Solicitor General of India at present?
1) Harish Salve
2) Rohinton Nariman
3) Ranjit Kumar
4) Gopal Subramaniam
5) Ram Jethmalani

36. Who amongst the following is the founder of Amazon.com?
1) Steve Jobs
2) Steve Ballmer
3) Mark Zuckerberg
4) Bill Gates
5) Jeff Bezos

37. The 2014 Men's World Cup Hockey was won by Australia. Which team did it defeat in the final?
1) Netherlands
2) India
3) Argentina
4) Spain
5) Germany

38. The 49th Jnanpith Award was given in June 2014 to an author of which of the following languages?
1) Telugu
2) Hindi
3) Kannada
4) Malayalam
5) Tamil

39. How many countries are the members of the World Trade Organization?
1) 158
2) 159
3) 160
4) 161
5) 162

40. Novak Djokovic defeated which of the following players to win the 2014 Wimbledon men's singles title?
1) Rafael Nadal
2) Andy Murray
3) Stanislas Wawrinka
4) Roger Federer
5) David Ferrer

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

GENERAL AWARENESS PRACTICE MCQs FOR IBPS EXAM

1. RBI has permitted the NBFC-ND to act as Business Correspondents of banks with an aim of spreading financial inclusion on 24th June 2014. NBFC-ND stands for?
1) Non Banking Finance Company at New Delhi
2) Non Banking Finance Company Non- Drawer
3) Non-deposit Non Banking Finance Company
4) New Director Non Banking Finance Company
5) None

2. On 1st July 2014, which committee submitted the report on Data and Information Management in RBI?
1) Anand Sinha
2) H.R. Khan
3) Arundhathi Bhattacharya
4) Rakesh Mohan
5) D.K. Mohanty

3. Largest domestic issuer of overseas bond is?
1) PNB
2) SBI
3) BOI
4) IOB
5) ICICI

4. RBI was formed on the recommendations of .......... commission.
1) Kelkar
2) Curzon
3) Hilton -Young
4) Minto-morley
5) None

5. Hamara Khaata Hamara Swabhimaan (Our Account Our Pride) scheme to provide the No frill accounts to poor announced by?
1) Indian Banks Association and SBI
2) RBI and IBA
3) Indian Banks Association and Ministry of Finance
4) SBI and IDBI
5) Ministry of Finance and World Bank

6. Banks usually share the information of CIBIL at the time of giving credit to the borrowers. CIBIL stands for?
1) Core Inform Bureau (India) Limited
2) Credit Information Bureau (India) Limited
3) Consumer Information Bureau (India) Limited
4) Credit Information Board (India) Limited
5) Collective Information Bureau (India) Limited

7. In the term 'EMI'. E means ....... (This term used in loans).
1) Ebb
2) Engine
3) End
4) Equated
5) None

8. Savings account cannot be opened by?
1) Teacher
2) House Wife
3) Farmer
4) Person doing Money Laundering
5) Person doing more than two businesses

9. What is the condition for a bank to be called
a 'Scheduled Bank'?
1) Its business has crossed Rs.1000-cr mark.
2) Its branch network is over 100.
3) It is included in the second schedule of the RBI Act.
4) It complies with all the above conditions.
5) None

10. PJ Nayak Committee submitted its report to the RBI on 24th May 2014, has mention about the dual regulation of Public Sector Banks (PSBs) as they are regulated by the RBI as well as the .........
1) Ministry of Finance
2) Ministry of Commerce and Industry
3) Ministry of Law
4) Ministry of Home Affairs
5) None of above

11. Regarding Indian Currency the statements relating to RBI given. Pick the incorrect one?
1) It issues Rs.2 and above paper currency till Rs.1000 paper currency now .
2) It was given power to issue the paper currency denomination up to Rs.10,000.
3) It issues Rs.1 also .
4) Coins Mint by Government of India
5) It acts as the Government's agent for issue and distribution of coins.

12. MICR cheques are familiar these days. In MICR, first three digits say the city name or district name and next three digits say?
1) branch code
2) bank license code
3) bank name
4) bank head office name
5) None

13. Present CRR is .......
1) 4%
2) 22.5%
3) 8%
4) 7%
5) 9%

14. Union Budget for 2014-15 proposes REITS for infrastructure projects to reduce pressure on banking system. REITs stands for?
1) Real Estate Investment Trusts
2) Real Estate Innovation Trusts
3) Real Estate Infrastructure Trusts
4) Real Estate Industrial Trusts
5) None of these

15. Which scheme introduced to help in generating awareness and improving the efficiency of delivery of welfare services meant for women with an initial corpus of Rs.100 crore in the Union Budget 2014-15?
1) Beti Bachao, Beti Badhao Yojana
2) Beti Bachao, Beti Banhao Yojana
3) Beti Bachao, Beti Padhao Yojana
4) Beti Padhao, Beti Jaman Yojana
5) None

16. First indigenous Anti-Submarine Warship (ASW) joined Indian Naval Ship on 12th July 2014. It is .......
1) INS Kamorta
2) INS Sindur
3) INS Konkan
4) INS Lakor
5) None

17. FIFA suspended which nation from all international football competitions on 9th July 2014, alleging the government interference is more in that nation's food ball federation?
1) Nigeria
2) Brazil
3) Switzerland
4) Sweden
5) Norway

18. Rammasun, the strong typhoon attacked large parts of the ............ on 15th July 2014?
1) India
2) Egypt
3) Philippines
4) Italy
5) None

19. 6th BRICS Summit held on 15-16 July 2014 at .......
1) Fortaleza, Brazil
2) Ufa, Russia
3) New Delhi, India
4) Beijing, China
5) None

20. BRICS development bank will be having headquarters at?
1) New Delhi
2) Shanghai
3) Brasilia
4) Johannesburg
5) Moscow

21. India and which nation decided to launch negotiations for civil nuclear cooperation on 8 July 2014. This nation's foreign secretary of state William Hague visiting India for this purpose.
1) USA
2) Bulgaria
3) New Zealand
4) UK
5) Germany

22. In the education schemes, MDMS stands for?
1) Mid Day Maintenance Scheme
2) More Day Meal Scheme
3) Mid Dull Meal Scheme
4) Mid Day Meal Scheme
5) None

23. On 11th July, 2014, Supreme Court ordered Union Government to bring wages under MGNREGS on par with minimum wages existing under different states. MGNREGS stands for?
1) Mahatma Gandhi National Rural Employment Group Scheme.
2) Mahatma Gandhi National Rural Employment Guild Scheme.
3) Mahatma Gandhi National Rozgar Employment Guarantee Scheme.
4) Millennium Gandhi National Rural Employment Guarantee Scheme.
5) Mahatma Gandhi National Rural Employment Guarantee Scheme

24. Who was awarded with the prestigious Gandhi Peace Prize for 2013?
1) Dalia lama
2) Barack Obama
3) Chandi Prasad Bhatt
 4) Shianzo Abe
5) None

25. Keshari Nath Tripathi took oath as the Governor of?
1) West Bengal
2) UP
3) Odisha
4) Meghalaya
5) None

26. New state formed recently ........
1) Purvanchal
2) Haritha Pradesh
3) Kodagu
4) Telangana
5) Bodo land

27. Who was elected as the 10th president of Israel on 10th June 2014 succeeding Shimon Peres?
1) Benjamin Netanyahu
2) Francis Holliand
3) Reuven Ruby Rivlin
4) Joe Baden
5) None

28. FIFA 2014 foot ball cup won by ...
1) Germany
2) Italy
3) France
4) USA
5) None

29. Which Indian Ace Tennis Player and Cara Black of South Africa were ranked careerbest fifth in the latest WTA Doubles Rankings?
1) Rushmi Chakravarthi
2) Ankita Bhambri
3) Sania Mirza
4) Manisha Malhotra
5) None

30. On 10th July 2014, UNO released World Urbanization Prospects report. As per it the most populous city in the world is Tokyo having 38 million populations. Which city got second rank having 25 million population?
1) New York
2) Milan
3) Jakarta
4) Ottawa
5) New Delhi

31. 'Land Belongs to the Future - Let's Climate Proof It' is theme of World Day to Combat Desertification. The World Day to Combat Desertification observed on ........
1) 10th June
2) 17th June
3) 1st July
4) 10th May
5) 10th July

32. Who releases first Encyclopedia on Hinduism, edited by Swami Chidanand Saraswatiji of the Parmarth Niketan Rishikesh?
1) Abdul Kalam
2) Sonia Gandhi
3) Pranab Mukherjee
4) Narendra Modi
5) None

33. Thailand capital is?
1) Kuala Lumpur
2) Hanoi
3) Canberra
4) Colombo
5) Bangkok

34. Which nation allows dual citizenship for the children of immigrants on 3rd July 2014?
1) USA
2) Canada
3) Germany
4) France
5) Italy

35. Swami and His Friends, Grand Mother's Tale, A Tiger for Malgudi, The Man-eater of Malgudi, A Horse and Two Goats, The Bachelor of Arts are the books of ........
1) Mulk Raj Anand
2) Raja Rao
3) Vivekananda
4) R.K. Narayan
5) None

36. Flipkart, India's largest e-retailer, on 22 May 2014 acquired the country's biggest fashion portal?
1) Myntra
2) Snapdeal
3) Amazon
4) e-bay
5) None

37. CCEA headed by .......
1) Commerce Minister
2) Finance Minister
3) Prime Minister
4) President of India
5) None

38. Marylebone Cricket Club XI on 5th July 2014 won the match played to celebrate 200- years (bi-centenary of Lord's Cricket Ground on 5th July 2014. The team led by?
1) Steve Waugh
2) Kapil Dev
3) Sachin Tendulkar
4) Shen Warne
5) None

39. Chief Ministers combination given. Locate the wrong option.
1) Assam - Tarun Gogoi
2) Haryana - Bhupinder Singh Hooda
3) Jharkhand - Raman Singh
4) Manipur - Ibobi Singh
5) Meghalaya - Mukul Sangma

40. Pension scheme for farmers and scheme to air-lift doctors to remote areas introduced on 5th June 2014 by?
1) Uttarakhand
2) Odisha
3) HP
4) Delhi
5) Kerala

ANSWERS:

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

Highlights of the Union Budget 2014-15

Here are the highlights of the Budget 2014-15 presented by Finance Minister Arun Jaitley.

Fiscal deficit

● Accepts fiscal deficit target of 4.1 percent of GDP for 2014/15

● Fiscal deficit seen at 3.6 percent of GDP in 2015/16
● Finance Minister says: "We cannot spend beyond our means"
● Tax-to-GDP ratio must be raised

Growth
● Aims for sustained growth of 7-8 percent in the next 3-4 years
● Finance minister says he is bound to usher in policies for higher growth, lower inflation

Taxation

● Aims to approve goods and services tax by end of this year

● Will not change rules on retrospective taxation
● All pending cases of retrospective tax for indirect transfers to be examined by a high-level committee before action is taken
● Proposes changes in transfer pricing mechanism
● Extends 5 percent withholding tax on corporate bonds until June 30 2017
● Income tax exemption limit raised by Rs 50,000 to Rs 2.5 lakh and for senior citizens to Rs 3 lakh
● Government expects Rs 9.77 lakh crore revenue crore from taxes
● Long term capital gain tax for mutual funds doubled to 20 per cent; lock-in period increased to three years
● Excise duty on footwear reduced from 12 per cent to 6 per cent
● Net effect of direct tax proposals is revenue loss of Rs 22,200 crore
● Tax proposals on indirect tax front would yield Rs. 7,525 crore

Investment

● Raises limit on foreign direct investment in defence sector from 26 per cent to 49 per cent; raises FDI limit in insurance sector to 49 percent
● Earmarks Rs 7000 Crore to create 100 "smart cities"
● Will provide the necessary tax changes to introduce real estate investment trusts and infrastructure investment trusts
● Proposes Rs 4000 crore for affordable housing through national housing bank and extends tax incentives for housing loans
● Exemption limit for investment in financial instruments under 80C raised to Rs 1.5 lakh from Rs 1 lakh.
● Investment limit in PPF raised to Rs 1.5 lakh from Rs 1 lakh
Foreign direct investment
● Raises limit on foreign direct investment in defence sector from 26 percent to 49 percent
● Raises FDI limit in insurance sector from 26 percent to 49 percent

Spending

● Capital outlay for defence raised by 50 billion rupees over interim budget
● Earmarks Rs 7000 crore to create 100 "smart cities"
● Proposes Rs 5000 crore for warehousing capacity; 100 billion rupees of private capital for start-up companies; and 378 billion rupees of investment in national and state highways
● Rs 4000 crore for affordable housing proposed through national housing bank and extends tax incentives for housing loans
● Proposes Rs 8000 crore for rural housing scheme

Subsidies

● Plans to make food and petroleum subsidies more targeted
● Rural job-guarantee scheme, which provides 100 days of paid employment a year, will become more focused on asset creation
● Proposes Rs 8000 crore for rural housing scheme

Agriculture

● Will focus on achieving 4 growth per year in agriculture
● Proposes a long-term rural credit fund with an initial corpus of Rs 5000 crore
● Rs 100 crore for development of organic farming

Social sector

● Pension Scheme to be revived for a year (Aug 15-14) for citizens above 60
● Rs 50,548 crore for SC welfare schemes.
● Rs 32,387 crore for ST welfare schemes.

Infrastructure

● Earmarks Rs 500 crore for 24x7 uninterrupted power in all homes
● Rs 100 crore for metro projects in Lucknow and Ahmedabad
● Rs 2,037 crore set aside for Integrated Ganga Conservation Mission called 'Namami Gange'
● Rs 200 crore for world-class sports stadium in Jammu and Kasmir
● Trade Facilitation Centre in Varanasi Handloom and Crafts Museum
● Rs 1000 crore to enhance rail connectivity in the Northeast
● Rs 2250 crore for the development and modernization of the border infrastructure
● A project on the river Ganga called 'Jal Marg Vikas' for inland waterways between Allahabad and Haldia; Rs 4,200 crore set aside for the purpose
● War memorial to be set up along with a war museum; Rs 100 crore set aside for this
● Rs 7,060 crore for setting up 100 Smart Cities

Education

● Five more IIMs to be opened in HP, Punjab, Bihar, Odisha and Rajasthan
● Five more IITs in Jammu, Chattisgarh, Goa, Andhra Pradesh and Kerala.
● Four more AIIMS like institutions to come up in Andhra Pradesh, West Bengal, Vidarbha in Maharashtra and Poorvanchal in Uttar Pradesh

Tourism

● E-Visas to be introduced at 9 airports
● Finance Minister says tourism helps in job creation and e-visas will encourage more tourists to visit India
● A provision of Rs 500 crore for five tourism sector.

Banking

● Deduction limit on interest on loan for self-occupied house raised to Rs 2 lakh from Rs 1.5 lakh.
● Set aside Rs 11,200 crore for PSU banks capitalisation
● Government in favour of consolidation of PSU banks
● Government considering giving greater autonomy to PSU banks while making them accountable
● PSUs to invest to over Rs 2.47 lakh crore this fiscal

Others

● Earmarks Rs 200 crore for Sardar Patel statue
● Proposes Rs 150 crore for improving women safety
● LCD, LED TV become cheaper
● Cigarettes, pan masala, tobacco, aerated drinks become costlier
● Government proposes to launch Digital India' programme to ensure broad band connectivity at village level
● Rs 100 crore scheme to support about 600 new and existing Community Radio Stations
● Rs 150 crore for Communication facilities in Andaman and Nicobar Islands
● Rs 188 crore for disaster preparedness in Puducherry
● Rs 3,600 crore for providing safe drinking water
● North-stop 24-hour channel is proposed to be introduced
● Farmer TV channel will be launched for the benefit of farmers.
● Rs 200 crore to make Delhi a world class city for social welfare and Rs 500 crore for energy
● Kisan Vikas Patra to be reintroduced, National Savings Certificate with insurance cover to be launched
● 'Pandit Madan Mohan Malviya New Teachers Training Programme' launched with initial sum of Rs 500 crore
● Government provides Rs 500 crore for rehabilitation of displaced Kashmiri migrants
● Indian Custom Single Window Project to be taken up for facilitating trade

Railway Budget 2014-15 Highlights

Union Railways Minister Sadananda Gowda presented the Rail Budget in the Parliament 8 July, 2014.

 Here are the highlights:

 ● Grateful to honourable PM Narendra Modi ji for having given me this opportunity and for entrusting me with this responsibility
 ● Honesty is the first chapter in the book of wisdom
 ● It gives me immense pleasure to present my first Railway Budget flooded with suggestion for new trains, new railway lines
 ● We now target to become the largest freight carrier in the world
 ● Indian railways carry only 31% of the total freight in the country. It is a challenge we have to face
 ● 5 lakh crore required each year for the next ten years for ongoing projects alone
 ● 23 paisa lost per passenger per km in 2012-13
 ● Social obligation of Railways in 2013-14 was Rs. 20,000 crore
 ● Focus on sanctioning projects rather than completing them
 ● The more projects we add the thinner we spread our resources
 ● I can get claps from this house by announcing many new projects but that would be rendering injustice to the struggling organization
 ● The fare revision was tough but a necessary decision - it will bring Indian Railways an additional revenue of 8,000 crores
 ● Indian Railways carries more than the entire population of Australia in a day
 ● Populist projects and mismanagement have brought Railways to point of funds crunch
 ● This state of affairs in railways needs immediate course correction
 ● Gross traffic receipts in 2013-14 was Rs. 1.3 lakh crore, operating ratio was 94 per cent
 ● Indian Railways spent Rs. 41,000 crore on laying of 3,700 km of new lines in last 10 years
 ● Need to explore alternative sources of resource mobilisation and not depend on fare hike alone
 ● Large part of the budget outlay to go to safety projects
 ● Maximum financial outlays for projects slated for completion in this area itself
 ● High priority areas - safety, cleanliness, passenger amenities and capacity augmentation
 ● Future projects to be financed on public-private partnership model
 ● Plans to attract investment from domestic and foreign players in infrastructure; focus to be on aggressive indigenisation
 ● FY15 Total Expenditure Pegged At Rs.1.49 lakh crore
 ● FY15 total receipts pegged at Rs.1.64 lakh crore
 ● Propose to hike budgetary plan outlay to Rs.47,650 crore
 ● FY15 passenger fare revenue pegged at Rs.44,600 crore
 ● Pre-cooked meals by reputed brands, focus on cleanliness and passenger feedback
 ● Outsource cleaning activities at 50 major stations, separate housekeeping wing for cleanliness and sanitation
 ● CCTVs to be used for monitoring cleanliness
 ● RO Drinking water at stations and trains
 ● Corporates encouraged to adopt stations for better maintenance and upkeep
 ● 17,000 Railway Protection Force personnel to be available soon
 ● Introduction of women RPF constables, coaches meant for women to be escorted for greater safety

 Bullet train:
 ● Indian Railways on course to fulfill its long cherished dream. I propose a Bullet train on the Ahmedabad - Mumbai sector
 ● Higher speed for existing trains will be achieved by upgrading the present network
 ● 23 projects underway in North-East. Propose to allocate higher funds than previous year for these projects

New Trains and Extended Trains in Rail Budget 2014 

58 new trains, including five new 'Jansadharan' trains and an equal number of premium group of trains have been proposed in the Rail Budget presented by railway minister Sadananda Gowda on 8 July, 2014.

The new trains include six AC Express trains, 27 Express trains, eight passenger trains, two Mainline Electric Multiple Unit (MEMU) services and 5 Diesel Electric Multiple Unit (DEMU) services besides extension of 11 existing trains.

Jansadharan Trains
(1) Ahmedabad-Darbhanga Jansadharan Express via Surat
(2) Jaynagar-Mumbai Jansadharan Express
(3) Mumbai-Gorakhpur Jansadharan Express
(4) Saharasa-Anand Vihar Jansadharan Express via Motihari
(5) Saharasa-Amritsar Jansadharan Express

Premium Trains
(1) Mumbai Central-New Delhi Premium AC Express
(2) Shalimar-Chennai Premium AC Express
(3) Secunderabad-- Hazrat Nizamuddin Premium AC Express
(4) Jaipur-Madurai Premium Express
(5) Kamakhya-Bengaluru Premium Express

AC Express Trains
(1) Vijayawada-NewDelhiAPExpress (Daily)
(2) LokmanyaTilak(T)-Lucknow (Weekly)
(3) Nagpur-Pune (Weekly)
(4) Nagpur-Amritsar (Weekly)
(5) Naharlagun-NewDelhi (Weekly)
(6) Nizamuddin-Pune (Weekly)

Express Trains
(1) Ahmedabad-Patna Express (Weekly) via Varanasi
(2) Ahmedabad- Chennai Express (Bi-weekly) via Vasai Road
(3) Bengaluru -Mangalore Express (Daily)
(4) Bengaluru -Shimoga Express (Bi-weekly)
(5) Bandra(T)-Jaipur Express (Weekly) Via Nagda, Kota
(6) Bidar-Mumbai Express (Weekly)
(7) Chhapra-Lucknow Express (Tri-weekly) via Ballia, Ghazipur, Varanasi
(8) Ferozpur-Chandigarh Express (6 days a week)
(9) Guwahati-Naharlagun Intercity Express (Daily)
(10) Guwahati-Murkongselek Intercity Express (Daily)
(11) Gorakhpur-Anand Vihar Express (Weekly)
(12) Hapa-Bilaspur Express (Weekly) via Nagpur
(13) Hazur Saheb Nanded-Bikaner Express (Weekly)
(14) Indore-Jammu Tawi Express (Weekly)
(15) Kamakhya-Katra Express (Weekly) via Darbhanga
(16) Kanpur-Jammu Tawi Express (Bi-weekly)
(17) Lokmanya Tilak(T)-Azamgarh Express (Weekly)
(18) Mumbai_Kazipeth Express (Weekly) via Balharshah
(19) Mumbai-Palitana Express (Weekly)
(20) New Delhi -Bhatinda Shatabdi Express (Bi-weekly)
(21) New Delhi-Varanasi Express (Daily)
(22) Paradeep-Howrah Express (Weekly)
(23) Paradeep-Visakhapatnam Express (Weekly)
(24) Rajkot-Rewa Express (Weekly)
(25) Ramnagar-Agra Express (Weekly)
(26) Tatanagar Baiyyappanahali (Bengaluru) Express (Weekly)
(27) Visakhapatnam-Chennai Express (Weekly)

Passenger Trains 
(1) Bikaner-Rewari Passenger (Daily)
(2) Dharwad-Dandeli Passenger (Daily) via Alnavar
(3) Gorakhpur-Nautanwa Passenger (Daily)
(4) Guwahati-Mendipathar Passenger (Daily)
(5) Hatia-Rourkela Passenger
(6) Byndoor-Kasaragod Passenger (Daily)
(7) Rangapara North-Rangiya Passenger (Daily)
(8) Yesvantpur-Tumkur Passenger(Daily)

MEMU services 
(1) Bengaluru-Ramanagaram 6 days a week (3Pairs)
(2) Palwal-Delhi-Aligarh

DEMU services 
(1) Bengaluru -Neelmangala (Daily)
(2) Chhapra-Manduadih (6days a week) via Ballia
(3) Baramula-Banihal (Daily)
(4) Sambalpur-Rourkela (6 days a week)
(5) Yesvantpur-Hosur (6 days a week)

Extension of Run of Existing Trains 
(1) 22409/22410 Anand Vihar Sasaram Garib Rath Express to Gaya
(2) 12455/12456 Delhi Sarai Rohilla Sriganganagar Express to Bikaner
(3) 15231/15232 Gondia Muzaffarpur Express to Barauni
(4) 12001/12002 New Delhi Bhopal Shatabdi Express to Habibganj
(5) 54602 Ludhiana-Hissar Passenger to Sadulpur
(6) 55007/55008 Sonpur-Kaptanganj Passenger to Gorakhpur
(7) 55072/55073 Gorakhpur-Thawe Passenger to Siwan
(8) 63237/63238 Buxar-Mughalsarai MEMU to Varanasi
(9) 63208/63211 Jhajha-Patna MEMU to Jasidih
(10) 64221/64222 Lucknow Hardoi MEMU to Shahjahanpur
(11) 68002/68007 Howrah-Belda MEMU to Jaleswar

GENERAL AWARENESS PRACTICE QUESTIONS FOR IBPS CWE

1. Which of the following public sector companies was conferred the coveted 'Navratna' status on
2014 June 24?
1) Rashtriya Chemicals and Fertilizers Limited
2) National Hydropower Corporation Limited
3) Mazagaon Dock Limited
4) Bharat Sanchar Nigam Limited
5) Engineers India Limited

2. Which of the following organizations released World Investment Report 2014 recently?
1) WTO
2) UNCTAD
3) WEF
4) World Bank
5) IMF

3. According to the World Investment Report 2014, which country has retained its top position as the world's most attractive investment destination?
1) China
2) USA
3) Indonesia
4) India
5) Saudi Arabia

4. Who has been confirmed as the first Chairman of the International Cricket Council (ICC) on 2014 June 26?
1) Najam Sethi
2) Giles Clarke
3) Alan Isaac
4) N. Srinivasan
5) David Morgan

5. Which Bollywood actor will be honored with the 'Legion of France', one of the highest civilian awards of France?
1) Salman Khan
2) Hrithik Roshan
3) Aamir Khan
4) Akshay Kumar
5) Shah Rukh Khan

6. FIFA banned Luis Saurez for nine international matches after he was seen biting Italy's Giorgio Chiellini in a World Cup match in June 2014. Luis Saurez is a football player from?
1) Switzerland
2) Honduras
3) Uruguay
4) Mexico
5) Argentina

7. Identify the mismatched pair?
1) Arvind Mayaram - Finance Secretary
2) Shaktikanta Das - Revenue Secretary
3) R.P. Wattal - Expenditure Secretary
4) Ravi Mathur - Disinvestment Secretary
5) G.S. Sandhu - Economic Affairs Secretary
8. Who was named as the winner of the 2014 PEN Pinter Prize on 2014 June 20?
1) Jhumpa Lahiri
2) Arundhati Roy
3) Jeet Thayil
4) Salman Rushdie
5) Rahul Bhattacharya

9. The Expert Committee to Revise and Strengthen the Monetary Policy Framework was headed by?
1) Anand Sinha
2) Urjit Patel
3) T.M. Bhasin
4) H.R. Khan
5) Bimal Jalan

10. Nachiket Mor committee suggested setting up of specialized banks to cater to low-income households to ensure that all citizens above the age of 18 years have bank accounts by?
1) 2015 January 1
2) 2016 January 1
3) 2015 April 1
4) 2016 April 1
5) 2015 August 15

11. Which of the following signed an agreement with the Export Import Bank of Korea for infrastructure finance in January 2014?
1) IIFCL
2) IFCI
3) IDFC
4) NABARD
5) SIDBI

12. The 800 MW Tawang hydroelectric project is coming up in?
1) Sikkim
2) Meghalaya
3) Assam
4) Tripura
5) Arunachal Pradesh

13. The Rashtriya Kishor Swasthya Karyakram is a health program for?
1) Infants
2) Old people
3) Adolescents
4) Women
5) Children below 10 years

14. Which of the following became the first insurer in India to launch an all-women branch in Pune in January 2014?
1) ICICI Lombard
2) Future Generali
3) Tata AIG General
4) Bajaj Allianz
5) Aegon Religare

15. Who won the Chennai Open tennis tournament in January 2014?
1) Johan Brunstrom
2) Mate Pavic
3) Frederik Nielsen
4) Edouard Roger Vaselin
5) Stanislas Wawrinka

16. Which country won their first Hopman Cup tennis title in Perth, Australia on January 4, 2014?
1) France
2) Poland
3) Australia
4) USA
5) Switzerland

17. Which of the following is an annual world mixed team tennis championships?
1) Davis cup
2) Fed cup
3) Hopman cup
4) Wimbledon
5) None of these

18. Who won the women's singles title in the Syed Modi International India Grand Prix Gold
Badminton Championship in Lucknow on 2014 January 26?
1) Saina Nehwal
2) P.V. Sindhu
3) Jia Yi Fan
4) Chen Qingchen
5) Juliane Schenk

19. Which country won the Hockey World League final in New Delhi in January 2014?
1) Netherlands
2) New Zealand
3) England
4) Australia
5) Belgium

20. Nikhat Zareen of India won a gold medal in an international tournament in which of the following
sports in January 2014?
1) Chess
2) Table Tennis
3) Tennis
4) Boxing
5) Archery

21. India won the 2014 Under-19 Asia Cup Cricket in January 2014. Who is the captain of the winning team?
1) Ankush Bains
2) Akhil Herwadkar
3) Sanju Samson
4) Chama Milind
5) Vijay Zol

22. Sanil Shetty and Ankita Das are the national champions in?
1) Squash
2) Chess
3) Golf
4) Table Tennis
5) Archery

23. Which of the following credit rating agencies has launched a financial inclusion index?
1) ICRA
2) CIBIL
3) CRISIL
4) CARE
5) Fitch

24. As per the Reserve Bank of India new norms, now non-banking financial companies (NBFCs) can give a loan up to what percent of the gold value against the previous limit of 60 per cent?
1) 65%
2) 70%
3) 80%
4) 75%
5) 100%

25. Which of the following private banks became the first to open a branch in China in January 2014?
1) ICICI Bank
2) HDFC Bank
3) Yes Bank
4) Federal Bank
5) Axis Bank

26. Arun Tiwari is the Chairman and Managing Director of?
1) Bank of Baroda
2) Andhra Bank
3) Allahabad Bank
4) Union Bank of India
5) None of these

27. The Lokmanya Tilak National Award for Excellence in Journalism was conferred on which of the following media persons on 2014 January 4?
1) Mammen Mathew
2) Shekar Gupta
3) Prabhu Chawla
4) Prannoy Roy
5) Siddartha Varadarajan

28. The BCIM corridor will run from Kunming in China to which of the following Indian cities?
1) Agartala
2) Shillong
3) Kolkata
4) Itanagar
5) Dispur

29. National Education Day is celebrated on?
1) November 9
2) November 11
3) November 17
4) November 19
5) November 13

30. Who took over as the Chief Executive Officer of the Central Board of Film Certification (CBFC) in January 2014?
1) Dilip Modi
2) Rajendra Pawar
3) Rakesh Kumar
4) C.N. Nataraj
5) None of these

31. Insurance Regulatory and Development Authority (IRDA) has set up a committee to look into having 100% foreign direct investment (FDI) in insurance intermediaries and Third Party Administrators (TPAs). The committee is headed by?
1) Suresh Mathur
2) Rakesh Bajaj
3) Nimisha Srivastava
4) Mukesh Sharma
5) T.S. Naik

32. Who won the 12th Parsvanath Grand Masters International Chess tournament in New Delhi on January 16, 2014?
1) Abhijit Gupta
2) Deepan Chakravarthy
3) Surya Shekhar Ganguly
4) P. Harikrishna
5) Sahaj Grover

33. Mehdi Jomaa assumed office as the Prime Minister of which of the following countries on January 29, 2014?
1) South Africa
2) Libya
3) Tunisia
4) Ethiopia
5) Niger

34. The World Health Organization has declared Peshawar as the world's largest reservoir of Polio.
Peshawar is in?
1) Bangladesh
2) Afghanistan
3) Iran
4) Pakistan
5) Nigeria

35. The United Nations Organization and its partners have launched 'No Lost Generation' initiative to save the children of?
1) Libya
2) Yemen
3) Jordan
4) Lebanon
5) Syria

36. Park Geun-hye visited India in January 2014. She is the President of?
1) Vietnam
2) North Korea
3) South Korea
4) Philippines
5) Cambodia

37. The foundation stone of 2,800 MW nuclear power plant has been laid at Gorakhpur village in
Fatehabad district of?
1) Uttar Pradesh
2) Haryana
3) Uttarakhand
4) Himachal Pradesh
5) Jharkhand

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

GENERAL AWARENESS PRACTICE MCQs FOR IBPS EXAMS

1. Promote sustainable and equitable agriculture and rural prosperity through effective credit support is the mission of......
1) NABARD
2) SBI
3) RBI
4) EXIM Bank
5) None

2. NABARD stands for .......
1) National Bank for Agriculture and Related Development
2) National Agriculture Bank and Rural Development
3) National Bank for Agri-goods and Rural Development
4) National Bank for Agriculture and Rural Development
5) None

3. Agriculture Apex Development Bank is....
1) NABARD
2) Co-operative Bank
3) RBI
4) SBI
5) None

4. Committee to Review Arrangements for Institutional Credit for Agriculture and Rural Development (CRAFICARD) submitted a report on 28 November 1979 recommended RBI to establish NABARD. The committee headed by......
1) Hilton-Young
2) Narasimham
3) Sivaraman
4) Mutturaman
5) Vaidyanathan

5. National Bank for Agriculture and Rural Development (NABARD) established on....
1) 12 July 1991
2) 12 July 1992
3) 12 July 2002
4) 12 July 1982
5) 1 July 1955

6. By transferring the agricultural credit functions of RBI and refinance functions of the then ARDC, NABARD came in to existence in 1982. ARDC stands for.....
1) Agricultural Regional and Development Corporation
2) Agricultural Refinance and Development Corporation
3) Agricultural Refinance and Domestic Corporation
4) Agri Refinance and Development Corporation
5) None

7. Which bank was under the obligation for facilitating credit flow for promotion and development of agriculture, small-scale industries, cottage and village industries, handicrafts and other rural crafts
1) SBI
2) NHB
3) NABARD
4) HDFC
5) RBI

8. The main function of NABARD includes....
1) Lending
2) Refinance
3) Co-ordinating lending
4) Assistance in Refinance
5) All of above

9. NABARD Head office is in..........
1) Kolkata
2) New Delhi
3) Chennai
4) Mumbai
5) Lucknow

10. The present chairman of NABARD is.....
1) UK Sinha
2) Rahul Khullar
3) Raghuram Rajan
4) T.S. Vijayan
5) Harsh Kumar Bhanwala

11. DEDS will be continued in the financial year 2014-15 also as told by NABARD on 30 May 2014. DEDS stands for...
1) Drought Entity Development Scheme
2) Dairy Entrepreneurship Door Scheme
3) Delay Entrepreneurship Development Scheme
4) Dairy Entrepreneurship Development Scheme
5) None

12. JLG the new concept developed by NABARD aimed to provide institutional credit to small farmers like share croppers, oral lessees and agricultural labourers. JLG stands for.......
1) Joint Loan Group
2) Join Liability Group
3) Joint Liability Grades
4) Joint Liberal Group
5) Joint Liability Group

13. Providing financial services in two broad areas of agriculture and microfinance. NABFINS provides credit and other facilities for promotion, expansion, commercialization and modernization of agriculture and allied activities. NABFINS means.....
1) NABARD Financial Services Limited
2) NABARD Financial Securities Limited
3) NABARD Financial Services Loan
4) NBFC Financial Services Limited
5) None

14. NABCONS engaged in providing consultancy in all spheres of agriculture, rural development
and allied areas. NABCONS mean........
1) NABARD Consumer Services
2) NABARD Custom Services
3) NABARD Company Services
4) NABARD Consultancy Services
5) None

15. The NABARD declared to rejuvenate PACs by converting them into multi-services centers.
What is meant by PAC?
1) Preliminary Agricultural Co-operatives
2) Primary Agricultural Consortium
3) Point to Point Agricultural Co-operatives
4) Progress Agricultural Co-operatives
5) Primary Agricultural Co-operatives

16. With effect from 1 April 2014, credit linked back ended subsidy Scheme, ISAM came in to existence and being implemented by NABARD. ISAM stands for......
1) Indian Scheme for Agricultural Marketing
2) Integrated Scheme for Arid Marketing
3) Integrated Scheme for Agricultural Marketing
4) Integrated Scheme for Agricultural Manufacturing
5) None

17. On 28 May 2014, NABARD seeks the additional capital support of Rs. ........... from government.
1) 200
2) 500
3) 1200
4)2000
5) 1500

18. NABARD has withdrawn the controversial scheme of.......
1) Funding Small Farmers
2) Funding Agriculture Labour
3) Funding Rural Warehousing
4) Funding Corporate Warehousing
5) None

19. National Bank Staff College runs by NABARD. It is at.........
1) Chennai
2) Hyderabad
3) Baroda
4) Lucknow
5) Mangalore

20. National Bank Training Centre run by NABARD is at .........
1) Delhi
2) Pune
3) Kolkata
4) Lucknow
5) Hyderabad

21. In the NABARD Warehousing Scheme (NWS) 2013-14, the NABARD can give loans to Public and Private infrastructure companies to construct......
1) construction of warehouses
2) cold storages
3) cold chains and silos
4) All of above
5) None of above

22. NABARD's authorized capital is...........
1) Rs.10,000 cr
2) Rs.35,000 cr
3) Rs.50,000 cr
4) Rs.20,000 cr
5) None

23. RBI objected the norms of ........ scheme of NABARD, though later rectified by NABARD.
1) MFI
2) MSME
3) RIDF
4) SME
5) SHG

24. RIDF stands for .......
1) Regional Infrastructure Development Fund
2) Rural Investment Development Fund
3) Rural Infrastructure Development Fund
4) Rural Infrastructure Drought Fund
5) None

25. By mid June 2014, Bank credit grew at ...... percent year-onyear to Rs. 60,90,030 crore.
1) 18.25
2) 13.88
3) 11.25
4) 19.25
5) 21.25

26. Union government appreciated the opening of Repository at Hyderabad. Repository helps....
1) to provide policy holders the facility to keep insurance policies in electronic form.
2) to provide policy holders the facility to keep insurance policies in physical form.
3) to provide LIC agents the facility to keep insurance policies in electronic form.
4) to provide policy holders the facility to keep insurance policies in rough form.
5) None

27. On 7 July 2014, Supreme Court said which courts are illegal?
1) Civil courts
2) Lok Adalats
3) Criminal courts
4) High court benches
5) Shariat courts

28. To which state the Supreme Court had given direction to stop mining in Aravali hills on 4 July 2014?
1) Rajasthan
2) MP
3) Chhattisgarh
4) Jharkhand
5) Haryana

29. Haryana Chief Minister is........
1) Virbhadra Singh
2) Vasundhara Raje
3) Bhupinder Singh Hooda
4) Jagannath Pahadia
5) None

30. 12th Agricultural Science Congress to be held in Karnal in 2015, organised by the National Academy of Agricultural Sciences (NAAS). Where is NAAS?
1) Haryana
2) Jammu and Kashmir
3) Karnataka
4) AP
5) Telangana

31. A trial run of a semi-high-speed train recently run between Delhi and .......
1) Agra
2) Bhopal
3) Mathura
4) Jhansi
5) Indore

32. Prime Minister of India inaugurated the 240 MW Uri-II Hydro Electric Project (HEP) on 4 July 2014. It is in.........
1) Jammu and Kashmir
2) Haryana
3) Chhattisgarh
4) Jharkhand
5) Odisha

33. Katra-Udhampur railway line of Jammu inaugurated by Prime Minister to facilitate easy access to the pilgrims to visit......
1) Mata Vaishno Devi Shrine
2) Manasa Sarovar Darsan
3) Kedarnath Temple
4) Kailasnath Hill Darsan
5) None

34. Supreme Court on 1 July 2014 directed which state make efforts to restore the beauty of the world-famous Dal Lake?
1) Haryana
2) Delhi
3) Himachal Pradesh
4) Jammu and Kashmir
5) AP

35. Chief Minister of Jammu and Kashmir is....
1) Farooq Abdullah
2) Narinder Nath Vohra
3) Omar Abdullah
4) Najma Hepthulla
5) None

36. In order to facilitate access to published works for persons who are blind and visually impaired, which treaty was ratified by India on 30 June 2014?
1) Geneva
2) Bretton Woods
3) Panchaseel
4) Marrakesh
5) None

37. Recently in which metro city the 11 storey building collapsed on 29 June 2014, took away more than 60 lives?
1) Hyderabad
2) Visakhapatnam
3) Chennai
4) Bangalore
5) None

38. Project Seabird Phase II, the naval base in Karwar got clearance from the Union Ministry of Environment and Forests on 9 June 2014. Karwar is in....
1) Karnataka
2) Maharashtra
3) Goa
4) AP
5) Odisha

39. A north eastern state notified to provide 12 percent horizontal reservation for Below Poverty Line (BPL) candidates in all state government jobs on 5 June 2014. It is....
1) Sikkim
2) Meghalaya
3) Manipur
4) Arunachal Pradesh
5) None

40. Sikkim Chief Minister is........
1) Tarun Gogoi
2) Ibobi Singh
3) Mukul Sangma
4) Pawan Kumar Chamling
5) Lal Thanhawla

41. First flying observatory fitted with an infrared telescope called 'Stratospheric Observatory for Infrared Astronomy' (SOFIA) is an idea of......
1) NASA
2) CNES
3) DLR
4) ISRO
5) PENTA

42. UNICEF stands for......
1) United Nations International Children's Emergency Fund
2) United Nations Intentional Children's Emergency Fund
3) United Nations International Children's Employers Fund
4) United Nations Integrated Children's Emergency Fund
5) None

ANSWERS:
1-1, 2-4, 3-1, 4-3, 5-4, 6-2, 7-3, 8-5, 9-4, 10-5
11-4, 12-5, 13-1, 14-4, 15-5, 16-3, 17-5, 18-4, 19-4, 20-4
21-4, 22-4, 23-3, 24-3, 25-2, 26-1, 27-5, 28-5, 29-3, 30-1
31-1, 32-1, 33-1, 34-4, 35-3, 36-4, 37-3, 38-1, 39-1, 40-4, 41-1, 42-1.

BANKING AWARENESS PRACTICE QUESTIONS

1. Who among the following Deputy Governors of RBI retired in January 2014?
a) K.C.Chakrabarthy
b) Urjit Patel
c) Anand Sinha
d) HR Khan
e) None of the above

2. A company wants to payout dividend. Which type of electronic method shall it use?
a) ECS (credit)
b) ECS(debit)
c) Either a or b
d) Issue of DD
e) Issue of Banker Cheque/pay order

3. On what basis interest is charged in loan accounts?
a) Quarterly
b) Half yearly
c) Monthly
d) Weekly
e) Daily basis

4. Crossing of Bill of Exchange?
a) Is allowed under Negotiable Instrument Act 1881
b) Banking Regulation Act 1949
c) RBI Act 1934
d) A bill cannot be crossed
e) None of the above

5. GAAS stands for?
a) Generally Accepted Accounting Standards
b) Generally Agreed Accounting Standards
c) Generally Advised Accounting Standards
d) Generally Allowed Accounting Standards
e) None of the above

6. Who is being assigned the duty of regulating the Micro Finance Institutions?
a) IDBI
b) SIDBI
c) SISI
d) NABARD
e) NSIC

7. Can a bank can sell its NPAs?
a) No, since nobody will purchase the NPA
b) Yes, provided it has remained as NPA in the books of the selling bank for 2 years
c) Yes, if the banks profits are more than Rs. 1000crores
d) Only a and c
e) None of the above

8. Which of the following private banks are permitted by RBI to import gold?
a) By HDFC Bank
b) Axis Bank and Kotak Mahindra Bank
c) Indus Ind Bank and
d) YES Bank
e) All the above

9. Which bank has become the first to allow withdrawal of funds to individuals from
its ATMs without an account in the bank?
a) Andhra Bank
b) Central Bank
c) Bank of India
d) Dena Bank
e) None of the above

10. Which of the following banks is selling, for the first time, a large amount of NPAs (around Rs. 5000cr) to ARCs (Asset Reconstruction Company) during this March 2014 Quarter?
a) State Bank of Hyderabad
b) State Bank of India
c) Punjab National Bank
d) ICICI Bank
e) None of the above

11. Non Banking Finance Companies like Muthoot Finance will issue NCDs to mobilize financial resources like the banks do by accepting deposits from the public. NCD Stands for?
a) National Certificate of Deposit
b) Non Cash Deposit
c) Non Convertible Debentures
d) Non Convertible Certificate of Deposits
e) None of the above

12. National Bank for Agriculture and Rural Development (NABARD) established on 12.07.1982 under a special act of parliament has its Head Office at?
a) Ahmadabad
b) Bangalore
c) Chennai
d) Delhi
e) Mumbai

13. Name the organization which is taking care of Coordinating the activities of institutions
engaged in financing, promoting and developing industry in India?
a) SIDBI
b) IDBI
c) ICICI
d) EXIM BANK
e) None of the above

14. AMC is a term used in connection with Mutual Funds, which is meant for Management of different Funds. In this connection AMC stands for?
a) Annual Maintenance Contract
b) Asset Management Commission
c) Adjusted Mutual Commission
d) Asset Management Company
e) None of the above

15. Which of the following is an ancillary/secondary function of a Bank?
a) Accepting SB Deposits
b) Accepting Fixed Deposits
c) Sanction of loans
d) Collection of cheques
e) None of the above

16. Functions of banks are divided into Primary and Secondary. Which of the following
is a Primary Function of a Bank?
a) Issue of Demand Draft
b) Provision of locker facility
c) Provision of Safe Custody facilities
d) Sanction of Loans
e) None of the above

17. Which of the following banks is not having their Headquarters in Kolkata?
a) Allahabad Bank
b) Dena Bank
c) UCO Bank
d) United Bank of India
e) All the above

18. Who among the following important personalities have worked as Governor of RBI?
a) Dr BR Ambedkar
b) M.Narasimhan
c) Urjit patel
d) Dr .Manmohan Singh
e) b & d

19. For how much period the Marginal Standing Facility (MSF) is provided by RBI against approved Government Securities ?
a) One Quarter only
b) Two quarters only
c) One Month only
d) Overnight only
e) None of the above

20. Headquarters of Oriental Bank of Commerce is located at?
a) Allahabad
b) Bangalore
c) Kolkata
d) New Delhi
e) Hyderabad

21. RBI Coin mints are located at?
a) Mumbai
b) Hyderabad
c) Kolkata
d) Noida
e) All the above

22. Which of the following is a private bank in India?
a) Oriental Bank of Commerce
b) Corporation Bank
c) South Indian Bank
d) Syndicate Bank
e) Bank of Maharashtra

23. Interest rate risk is a type of?
a) Credit risk
b) Market Risk
c) Operational risk
d) All the above
e) None of these

24. Which one of the following has launched guidebook on standards for exporters?
a) RBI
b) SEBI
c) IBA
d) UNIDO
e) UNESCO

25. The Bank of Calcutta, Bank of Bombay and Bank of Madras were merged in 1921 to form?
a) Reserve Bank of India
b) Imperial Bank of India
c) Bank of India
d) Union Bank of India
e) None of these

26. Which sister organization of the World Bank helps private activity in developing countries by financing projects with long-term capital in the form of equity and loans?
a) Asian Development Bank
b) IMF
c) International Developmental Association
d) International Finance Corporation
e) None of these

27. What does devaluation of a currency mean?
a) Decrease in the internal value of money
b) Decrease in the external value of money
c) Decrease both in the external and internal values of money
d) Increase both in the external and internal values of money
e) None of these

28. An IPO is?
a) Initial Price Offered by private limited company to its share holders.
b) An offer by an unlisted company for sale of its shares for the first time to the public.
c) Used to increase the share capital of an unlisted company
d) A book building process
e) None of these

29. SEBI has imposed a restriction on money flow in equity through P-notes. What is the full form of P-notes?
a) Permanent notes
b) Purchase notes
c) Participatory notes
d) Private notes
e) None of these

30. Which is of the following programme is launched to improve the irrigation facilities in Rural India?
a) National Watershed Development Programme
b) National Social Assistance Programme
c) Construction of Rural Godowns
d) Annapurna Scheme
e) None of the above

31. Investment Fluctuation Reserve (IFR) is created to manage?
a) Interest Rate Risk
b) CRR
c) SLR
d) Foreign Currency Account
e) None of the above

32. There are several credit rating agencies like CRISIL, CARE, SMERA, FITCH Rating. Similary ICRA is also a rating agency. ICRA Stands for?
a) Investment Information and Credit rating Agency
b) Indian Credit Rating Agency
c) International Credit Rating Agency
d) Information and Credit Rating Agency
e) None of these

33. In case of dishonor of a cheque due to insufficient of funds in the account of theperson drawing the cheque, a court can punish the guilty with an imprisonment term of two years and a fine of?
a) Twice the amount of cheque
b) Thrice the amount of cheque
c) Four times the amount of cheque
d) Five times the amount of cheque
e) None of the above

34. When the Bank returns a cheque unpaid, it is called?
a) Payment of Cheque
b) Dishonor of Cheque
c) Cancelling of Cheque
d) Drawing of Cheque
e) None of these

35. Which among the following is approved modes for maintenance of the cash reserve ratio?
a) In the form of balance in currency chest of the currency chest bank branches
b) In the form of cash balances maintained by various branches of the banks
c) In the form of balances with other banks maintained by bank branches
d) In the form of balances in a special account with RBI opened for this purpose
e) None of these

36. No margin is required to bring in by the borrower for the educational loans to special courses up to?
a) Rs 2.00 lacs
b) Rs 3.00 lacs
c) Rs 5.00 lacs
d) Rs 4.00 lacs
e) None of the above

37. When bank receives a Cheque from customer for clearing/ collection, bank affix bank's crossing stamp. This is done to ensure
a) Prevention of fraud
b) Requirement of NI Act
c) Cheque will become payable to our bank only
d) None of the above
e) All the above

ANSWERS:
1) c 2) a 3) e 4) d 5) a 6) d 7) b 8) e 9) c 10) a
11) c 12) e 13) b 14) d 15) d 16) d 17) b 18) d 19) d 20) d
21) e 22) c 23) b 24) d 25) b 26) d 27) b 28) b 29) c 30) a
31) a 32) a 33) a 34) b 35) d 36) d 37) c