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SBI ASSOCIATE PO STUDY MATERIAL PDF

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President Bush said in a press conference in April that as the greatest power on the face of the earth, we have an obligation to help the spread of freedom.

We have an obligation to feed the hungry. Yet how does the U. Fulfill its obligation?

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Since the money down the drain argument is heard most frequently in the U. Its worth looking at the same calculations for U. Aid alone In , the U. Taking out the parts for U. Consultants and technical co-operation, food and other emergency aid, administrative costs and debt relief, the aid per African came to a grand total of 6 cents.

The U.

Has promised repeatedly over the decade, as a signatory to global agreements like the Monterrey Consensus of , to give a much larger proportion of its annual output specifically up to 0. Because not one in a million U. Citizens even know f statements like the Monterrey Consensus, But no one should underestimate the salience that it has around the world. Spin as an American myth about their nations generosity, the poor countries are fully aware of what the U.

Is not doing. Aid to the SubSaharan African countries? Aid meant for of capital African does not reach the incumbent b The U. Aid to African countries is more than that for any other developing or underdeveloped nation c The U. Has been contributing more than 0.

President Bushs statement in Press Conference on April indicates that.. To the poor countries is substantially and sufficient b The spread of freedom cannot be achieved through financial aid c Feeding the hungry million outside the U.

On its own, assumes the obligation of helping the poor countries ANS e U. Has spent trillions of dollars on aid 3. The author has mentioned Ghana as a country with. The cases of malaria in Africa are mainly due to A High temperature B Climatic conditions conducive for breeding C Malaria carriers liking for human blood in preference to that of cattle.

The purpose of the author in writing this passage seems to a Criticize USA for not providing adequate financial help b Make Africans realize their own problems c Analyze the actual quantum of aid against the perceived one d Highlight how American leaders are power-hungry e None of these ANS 6.

The author has given the example of Bangladesh, Indonesia and Pakistan in support of his argument that a Corruption is the major culprit in the way of prosperity b Mis-governance hampers the prosperity of nations c Despite rampant corruption, nations may prosper ANS d Developed nations arrogantly neglect underdeveloped countries e None of these 7. The remark of former U. Secretary of the Treasury, Paul ONeil, is according to the author.. S and d A ruthless remark by an arrogant bureaucrat e None of these 8.

The passage seems to emphasize that the outside world has a Correct understanding about the reasonable aid provided by the USA to the poor countries b Definite information about what is happening in underdeveloped countries c Stopped extending any financial aid to underdeveloped countries d Misconceptions about the aid given to the poor nations by developed countries e None of these ANS 9. According to the Westerners the solution to eradicate poverty of African nations lies in.

Obligation a Lip sympathy b True empathy c Self pity d Conditional responsibility e Moral binding ANS Directions : Read each sentence to find out whether there is any grammatical error in it. The error if any, will be in one part of the sentence.

The number of that part is the answer. If there is no error; the answer is e i.

With regard to term deposits, which remained unpaid even after 10 years of maturity are treated as unclaimed deposits. In case of deceased accounts, the claim shall be settled in favour of the nominee where the nomination is available and where there is no nomination, claim settlement shall be as per applicable norms.

Banks are required to disclose the list of unclaimed and inoperative deposit account holders, in a bid to help the claimants trace their deposits and the names of the depositors shall be displayed on the Website. The list of unclaimed deposits shall be updated on a monthly basis. Frozen Accounts With regard to the savings bank accounts frozen by the enforcement authorities, Bank will continue to credit the interest to the account on a regular basis. In the case of Term Deposit Accounts of Customers frozen by the orders of the enforcement authorities, Banks are required to obtain a request letter from the customer for renewal for a term equal to the original term, on maturity.

No new receipt will be issued. However, suitable note will be made regarding renewal in the deposit ledger. In the advice to the depositor, the rate of interest at which the deposit is renewed will also be mentioned. If overdue period does not exceed 14 days on the date of receipt of the request letter, renewal shall be done from the date of maturity.

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If it exceeds 14 days, interest for the overdue period shall be paid as per Banks extant guidelines that are referred in this policy. Nomination facility: As per section 45 ZA to 45 ZF of the Banking Regulation Act, , account holder can nominate any individual of his choice as nominee to receive money from the bank in case of death of the depositor. Nomination facility is available to all types of deposit accounts including joint accounts E or S , safe deposit lockers and safe custody articles, which are in the name of individuals.

The nominee can be any individual including illiterates, minors. The only exception is safe deposit lockers hired jointly; there can be more than one person as nominee. In case of illiterate account holders, branch to obtain two witnesses while accepting nomination. Consent of nominee is not mandatory. Nomination made in respect of a term deposit will continue to be in force even on renewal of such deposit unless the nomination is specifically cancelled or changed.

The customer has option to change nomination any number of times during the currency of the deposit. The rights of nominee arise only after the death of the depositor.

However, in case a customer holds a pass book and still requests for a statement of account and vice versa, the same will not be denied and will be provided on payment of charges as specified by the Bank from time to time. Transfer of Accounts - The deposit accounts may be transferred to any other branch of the Bank at the request of the depositor subject to fulfillment of KYC norms at transferee branch.

Applicable charges will be levied by the bank for rendering the said services. Revision in service charges, if any, will be communicated one month in advance to the customers before effecting the revision, through Bank's website.

Whenever loan is granted, a lien on the deposit is marked and bank shall have the right to appropriate the deposit proceeds to the loan account on the date of maturity, in case the loan remains unpaid. The interest rates applicable, margins to be maintained etc. The insurance premium is being paid by the Bank at present. The details of the insurance cover in force will be made available to the depositor.

Rounding-off transactions: All transactions including payment of interest on deposits will be rounded off to the nearest rupee; i. In a joint deposit account, when one of the joint account holders dies, the Bank is required to make payment jointly to the legal heirs of the deceased person and the surviving depositor s. In the absence of nomination and when there are no disputes among the claimants, the Bank will pay the amount outstanding in the account of deceased person against joint application and indemnity by all legal heirs or the person mandated by the legal heirs to receive the payment on their behalf without insisting on legal documents up to the limit approved by the banks board.

This is to ensure that the depositors are not put to hardship on account of delays in completing legal formalities. Interest payable on term deposit in deceased account - In the event of death of the depositor before the date of maturity of deposit and amount of the deposit is claimed after the date of maturity, the Bank shall pay interest at the contracted rate till the date of maturity.

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Again from the date of maturity to the date of payment, the Bankers Digest Bank shall pay simple interest at the applicable rate prevailing on the date of maturity, for the period for which the deposit remained with the Bank beyond the date of maturity, as per the Banks policy in this regard. However, in the case of death of the depositor after the date of maturity of the deposit, the bank shall pay interest at savings bank rate operative on the date of maturity at present 4. Service Charges - The terms and conditions for opening a deposit account and the charges that will be levied on the account will be provided to the customer at the time of opening of the account.

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The revised charges, if any, are to be informed to the customers well in advance either through press releases or advertisement in print media and or by displaying in Bank's web site.

If the Bank proposes to use such information, it will be strictly with the consent of the account holder. In order to know the changes that have been made in each step observe two consecutive steps carefully. If numbers and words both are given, then words are only related to the next word and numbers are related to numbers.

Now, correlate the input, the last step and any of the middle steps. This will help you to identify the rule of the arrangement. Step II: Check for arithmetic operation This check is made if and only if the input has only numbers.

If the input has numbers and the chances of arrangement and shifting are not there, the problem is based on arithmetic operations. Step III: Check for shifting If the given problem is not arrangement based, then check whether shifting is taking place. For this, check the first two—three steps.Branches should ensure that TDS certificate Form 16A as well as Interest certificate should be sent to the depositor without waiting for or seeking any written request from the depositor.

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If the words are being interchanged or are being moved from a specific position to another particular position then it is a shifting problem. Closed e Battles. If the input has numbers and the chances of arrangement and shifting are not there, the problem is based on arithmetic operations.

Each batch works for one hour. To the poor countries is substantially and sufficient b The spread of freedom cannot be achieved through financial aid c Feeding the hungry million outside the U.

The passage seems to emphasize that the outside world has a Correct understanding about the reasonable aid provided by the USA to the poor countries b Definite information about what is happening in underdeveloped countries c Stopped extending any financial aid to underdeveloped countries d Misconceptions about the aid given to the poor nations by developed countries e None of these ANS 9.

The number in the Content mark is: We have to study and then have to detect the pattern, and then this pattern is to be applied to the incomplete series.

For this, check the first two—three steps.

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