The English Language has given heebie-jeebies to many aspirants especially in banking mains examination. To help you ease your preparation, Bankersadda has provided English Language Quiz according to the latest & dynamic pattern of Banking exams in the form of 30 Days study plan for IBPS PO Mains 2019. These types of quizzes are useful for IBPS PO 2019 mains & other upcoming banking & insurance exams. So, keep calm and practice for upcoming exams. Here is the quiz for 20th November.
(1-10): Read the following passage carefully and answer the questions given
below them. Certain words/phrases have been printed in bold to help you locate
them while answering some of the questions.
congestion which affect travel time and road safety. This is a big hindrance in economic development and
leads to inefficiency in the transportation of goods and services across the
country. To address this, the government has embarked upon a massive overhaul of the country’s road network
through Bharatmala Pariyojana—an umbrella highway development programme
involving 34,800 km of road network at an investment of Rs5.35 trillion, to be
completed by 2022. The programme focuses on optimizing the efficiency of road
traffic movement across the country by bridging critical infrastructure gaps
through shorter routes. The end goal is to create economic corridors (ECs)
along the path—new industries, more employment and new markets.
road network because it will compete directly with some of the existing
build-operate-transfer (BOT) toll road projects. Out of the 44 ECs, about 21
would partially or fully affect the existing alignments, while the remaining 23
that involve upgradation of existing alignment will not result in any deviation. Among the 21 corridors
affected, eight have a totally different route (which is shorter) while the
remaining 13 have some deviations from the existing alignment. Overall, there
are 24 BOT projects and one operate-maintain-transfer (OMT) project whose
traffic could be affected by the proposed ECs. The Bharatmala programme may
result in traffic diversion from the existing road network to new roads,
thereby affecting the toll collection and, consequently, the debt servicing
ability of some of the BOT and OMT projects. This has raised the risk of
default on 25 national highway toll projects which involve Rs19,435 crore of
debt. The risk of such loan defaults will add to banks’ and financial lenders’
stressed assets and non-performing assets. In terms of risk, 12% of the
projects have a high risk of leakage in traffic, if a completely alternative
route is available, 16% of the projects have moderate risks, and 72%, low
risks. To arrive at the debt at risk, the debt outstanding for each of these
special purpose vehicles (SPVs), their repayment tenure, concession end date,
credit profile of the SPV and its sponsor credit risk profile, are considered.
Out of the total debt at risk for the 25 affected projects about Rs6,536 crore,
which accounts for about 34% of the total debt at risk, is high-risk. Projects
with debt at a moderate risk have an aggregate debt of Rs3,483 crore, while
about Rs9,416 crore of debt is considered to be low-risk.
not turn bad for the financial institutions, swift and adequate measures are
needed. The Kelkar committee had observed that since infrastructure projects
span over 20-30 years, a private developer may lose bargaining power owing to
abrupt changes in the economic or policy environment. It has thus recommended
that the private sector must be protected against such loss. This could be
ensured by allowing renegotiation of the terms of the concession agreement.
infrastructure sector, given the rise in non-performing assets (NPAs). Add to
this the probable difficulties that would arise in the case of 25 BOT projects,
which would put additional stress on the road infrastructure exposure. The need
of the hour is to realign the terms and conditions of the model concession
agreement to ensure that banks do not end up accumulating NPAs.Having an
appropriate remedial mechanism for BOT operators will help retain interest for
investments in new projects; for the lenders, it will help curtail the number of stressed assets from the risk of default.
(II) create employment and develop new markets
(III) improve the political status of the country.
(b) Only (II) and (III)
(c) Only (III)
(d) Only (I) and (II)
(e) All are correct
(b) Disruptions in integrated Infrastructure network.
(c) Inability to maintain the overall structure of highway network in India.
(d) Both (a) and (b)
(e) All are correct
L1Difficulty 3
(b) Rs3,483 crore
(c) Rs19,435 crore
(d) Rs9,416 crore
(e) Rs18,544 crore
the passage is
(b) Bharatmala and the rising debt issues
(c) Creating economic corridors
(d) The rising issue of stressed assets
(e) The Kelkar Committee
project.
(II) realigning the terms and conditions
of the model concession agreement to ensure that banks do not end up
accumulating NPAs.
private sector.
(b) Both (II) and (III)
(c) Only (III)
(d) Both (I) and (II)
(e) All are correct
(6): A phrase “did not turn” is given in the passage is highlighted which may
or may not contain grammatical error. There are five alternatives given below,
one of which may replace the existing highlighted part to make the sentence
grammatically correct and contextually meaningful. Choose the most appropriate alternative as
your answer. If the phrase is grammatically correct, as given, and doesn’t
require any correction, choose option (e) i.e., “No correction required” as
your answer.
(7-8): Which of the following alternatives among the five options provides the
most similar meaning(s) of the word given in BOLD as used in the passage?
(II) curb
(III) retrench
(IV) truncate
(b) Only (II) and (IV)
(c) Only (I), (II) and (III)
(d) Only (II), (III) and (IV)
(e) All are correct
(II) initiate
(III) rot
(IV) undertake
(b) Only (II) and (IV)
(c) Only (I), (III) and (IV)
(d) Only (I), (II) and (IV)
(e) All are correct
(9-10): Which of the following alternatives among the five options provides the
most opposite meaning(s) of the word given in BOLD as used in the passage?
(II) impetus
(III) plausible
(IV) privilege
(b) Only (II) and (IV)
(c) Only (I), (II) and (III)
(d) Only (II), (III) and (IV)
(e) All are correct
(II) willing
(III) splendid
(IV) eager
(b) Only (II) and (IV)
(c) Only (I), (II) and (III)
(d) Only (II), (III) and (IV)
(e) All are correct
(11-15): In the following passage there are blanks, each of which has been
numbered. These numbers are printed below the passage followed by four words/phrases.
One or more of those words/phrases may fit the blank appropriately. Choose the
best set of alternatives among the five given below each question which fill
the blanks most appropriately. If none of the words/phrases fill the blanks,
choose option (e) i.e. “None of these” as your answer.
leader Kim Jong-un in Singapore is a/an __________
(11) of the power of diplomacy. Until a few months ago, the two countries
had been trading nuclear threats, as the North raced along with its nuclear
weapons programme. Now, as Mr. Trump shook hands with Mr. Kim, who had once
said the U.S. President was “mentally deranged”, it was a reminder of Richard
Nixon’s ground-breaking 1972 visit to Beijing. Through the day, both Mr. Trump
and Mr. Kim were keen on __________ (12)
the comprehensive meet in a positive
light. The two whimsical leaders deserve full credit for this thaw in
relations, given the decades of __________
(13) and the quick diplomacy that pulled the Korean peninsula back from the
brink of war. It all began with the new South Korean President Moon Jae-in’s
expansive outreach to the North. Mr. Kim __________
(14) by sending athletes to the Winter Olympics in South Korea in February.
As the relationship between the Koreas improved rapidly, Mr. Kim invited the
U.S. President for a meeting. Mr. Trump accepted at once, surprising America’s
allies and rivals. However, it was not certain whether the meet would take
place. Mr. Trump once called it off after threats and counter-threats __________ (15).
Ans. (d)
We can conclude from first paragraph of the passage that sentences (I) and (II)
are in relevance with the passage. As mentioned in the paragraph that the goal
is to create new industries, more employment and new markets. Hence, we can
clearly infer from this that these developments will bring the socio- economic
change and will uplift the underdeveloped regions of the country.
(III) is totally irrelevant in context to the passage.
option (d) is the correct choice.
the lines “The programme focuses on optimizing the efficiency of road traffic
movement across the country by bridging critical infrastructure gaps through
shorter routes. The end goal is to create economic corridors (ECs) along the
path—new industries, more employment and new markets.”
Ans. (d)
Both (a) and (b) options are correct in context to the passage.
road network got affected with implementation of Bharatmala Pariyojana. This
programme affect the toll collection and thereby debt servicing ability. Hence
option (d) is the correct choice. Sentence (c) is incorrect as it is not
mentioned anywhere in the passage.
the lines “The Bharatmala programme may result in traffic diversion from the
existing road network to new roads, thereby affecting the toll collection and,
consequently, the debt servicing ability of some of the BOT and OMT projects.”
of the 44 ECs, about 21 would partially or fully affect the existing
alignments, while the remaining 23 that involve upgradation of existing
alignment will not result in any deviation.”
Ans. (c)
The total debt at risk is Rs19,435 crore. It has mentioned in the passage that
debt servicing ability has raised the risk of default on 25 national highway
toll projects involving Rs19,435 crore of debt.
option (c) is the most appropriate choice.
the line of second paragraph “This has raised the risk of default on 25
national highway toll projects which involve Rs19,435 crore of debt.”
Ans. (b)
“Bharatmala and the rising debt issues” is an appropriate title of the passage.
Ans. (b)
Refer the fourth paragraph of the
passage in which it is clearly mentioned that the need of the hour is to
realign the terms and conditions of the model concession agreement to ensure
that banks do not end up accumulating NPAs .Now in the third paragraph ,refer
the lines “This could be ensured by allowing renegotiation of the terms of the
concession agreement.”, “the NHAI can compensate the affected BOT operators and
account for it in the total outlay of the Bharatmala programme.” Hence option
(b) is the correct choice. Sentence (I) is irrelevant here.
Ans. (c)
‘do not turn’ is the correct phrase to be replaced thus making the sentence
grammatically correct.
sentence is in present tense ‘are needed’, ‘are at risk’ Hence ‘could’ and
‘would’ will not be used as they are past form of ‘can’ and ‘will’. The subject
of the sentence ‘BOT projects’ is plural hence, ‘does’ will not be used. Hence
‘do not turn’ is the correct choice making option (c) as correct.
Ans. (e)
Curtail means reduce in extent or quantity; impose a restriction on. Hence all
the words are similar in meaning to Curtail.
Ans. (d)
Embarked means begin (a course of action). Hence it has same meaning as
commence, initiate and undertake.
means begin.
means decay or cause to decay.
Ans. (b)
Hindrance means a thing that provides resistance, delay, or obstruction to
something or someone. Hence it has opposite meaning as that to impetus which
means momentum, force, energy.
means in a way that seems reasonable or probable.
means feeling or expressing remorse at recognition that one has done wrong.
Ans. (b)
Reluctant means unwilling and hesitant; disinclined. Hence it has opposite
meaning as willing and eager.
means magnificent, very impressive.
means boast about or praise.
public or official announcement dealing with a matter of great importance.
the action or process of affirming something.
the act of refuting someone’s point forcefully
combination of statements, ideas, or features which are opposed to one another.
appropriately in reference of the paragraph.
keeping from being seen; concealing.
reproducing (a message, sound, or transmission) in a confused and distorted way
depicting someone or something in a particular way
reflecting or portraying
appropriately in reference of the paragraph as the heads pf both the countries
were interested in portraying in front of the world a positive image after
their historic meeting in Singapore.
strong hostility
active hostility or opposition
characterized by friendliness
unfriendliness or opposition
blank most appropriately in reference of the paragraph as it can be understood
from the paragraph that USA and North Korea has decades of hostility towards
each other until recent meeting of the two leaders of both the nations.
cheated (someone) out of something, especially money.
responded to (a gesture or action) by making a corresponding one.
made an attack in return for a similar attack.
repaid (a person who has spent or lost money).
appropriately in reference of the paragraph as it can be understood from the
paragraph that after an approach from South Korean President, the North Korean
President, Mr. Kim also responded in a similar gesture and sent athletes from
his country to Winter Olympics. None of the other words fit in the blank
appropriately.
diminished in value over a period of time.
regarded or represented as being of little worth.
reduced to a lower grade, rank, or level of importance.
made (something) seem less important, significant, or complex than it really
is.
it can be understood that a meeting cannot be called off because of decrease in
threats and counter-threats. It will be the opposite case. Hence, the word that
should fit here is ‘escalated’ which is not one of the options.
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