Showing posts with label Banking. Show all posts
Showing posts with label Banking. Show all posts

Sunday 7 April 2019

State Bank of Pakistan YPIP – 4th Batch Past Paper

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Past Paper

State Bank of Pakistan Banking Services Corporation YPIP – 4th Batch


Question (1) following the passage refers to the numbered sentences in the passage. Answer the question by choosing the best alternative using logic and organization.

When television is good, nothing-not the theater, not the magazines or newspapers-nothing is inferior. But when television is bad, nothing is worse. I invite you to sit down in front of your television set when your station goes on the air and stay there without a book, magazine, newspaper, or anything else to distract you.
1.                 The word inferior in sentence 1 should be

A.    Left as it is

B.     Changed to worse

C.     Changed to the best

D.    Changed to anterior

E.     Changed to better

Each of the following questions consists of a sentence with all or part of the senten e underlined. Select one phrase that has the same or nearly the same meaning as the original and, follows the requirements of standard written English.

2.                 There is a small number of apples still remaining on the tree.

A.    is a short amount of

B.     is a small amount of

C.     are very few

D.    is very few

E.     were very few

Read each group of sentences, then choose the best answer to the question or the best completion of the statement.

3.                 I like Oliver Twist better than Huckleberry Finn. Dickens is better writer than Twain.

What is happening in the sentences?

A.                A comparison is made in terms of British and American authors.

B.                 A conclusion is drawn on the basis of opinion.

C.                 A conclusion is drawn on the basis of fact.

D.                A comparison is made in terms of growing up in England or America.

E.                 A relationship is drawn between the writing style of Dickens and Twain.

Read the passage to answer questions 4-7

At the turn of the twentieth century, people's attitudes toward money were far more conservative than they are today. Borrowing and being in debt were viewed as a moral failing, almost as a disgrace. Thrift and saving were highly prized, and people who needed to borrow to make ends meet were seen as
careless, unreliable, or extravagant. The focus in the economy as a whole was on developing large corporations like railroads, oil companies, and other companies that produced basic goods and services.

Then, in the 1920s, the economy changed. A huge network of banks and financial institutions developed, helping money to move more quickly and easily through the economy. At the same time, the economy was increasing its focus on consumer goods— clothing, cars, household appliances, and other things that individuals buy. To help promote the sale of these items, consumers were encouraged to buy on credit. If they could not afford an item right away, a store or a bank might lend them the oney, which they could pay back in installments.

With the development of consumer credit and installment purchases, people's attitudes toward debt and spending changed. The model citizen was no longer someone who was thrifty, buying only what he or she needed. People were respected less for being thrifty than for knowing how to use their money to buy as many things as possible— an attitude that persists at the turn of the twenty-first century.

4.                 According to the passage, which of the following is NOT a belief that was commonly held in the early twentieth century?

A.                Owing someone money is a moral failing.

B.                 People who save their money are respectable.

C.                 People who buy as many things as possible are respectable.

D.                People who borrow money for necessities are careless and unreliable.

5.                 What helped money move more quickly through the economy in the 1920s?

A.                The growth of railroads

B.                 The growth of banks and financial institutions

C.                 The rate at which people paid back their loans

D.                The increase in installment purchases

6.                 The author mentions cars as an example of

A.                A consumer good

B.                 A household appliance

C.                 An extravagant purchase

D.                A new invention
7.                 According to the passage, how did the rise of consumer credit change people's attitudes toward debt and spending?

A.                Attitudes toward debt and spending became more conservative.

B.                 People used credit to buy only what they needed.

C.                 Extravagant borrowing and spending became highly prized.

SBP Young Professional Induction Program past paper 7th Batch

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7th Batch of Young Professionals Induction Program (YPIP) at SBP BSC


Read the following passage and answer questions 1 and 2 in light of the information given in the passage.

Financial institutions have practiced many strategies and actions to upgrade the security arrangements which reduce the scope of ATM frauds. These include safe locations for ATM, remote monitoring, surveillance video cameras, foreign object detection, anti-skimming card solutions, enhanced consumer awareness and public service messages from government authorities. But criminal rings have evolved their reactive counter actions to withstand against all preventive strategies. There is a need of a more effective, tolerant and enduring strategy which assures zero ATM fraud ratio.

The use of biometric features for security measures is a practical approach. Biometrics features like fingerprint verification, iris analysis, hand geometry-vein patterns, ear recognition, odor detection, DNA pattern analysis and sweat pores analysis, handwritten signature verification, keystroke analysis and speech analysis may be utilized as medium of identifying and authenticating account holders at the Automated Teller Machine interfaces. Biometric identification helps to verify a person’s identity by measuring digitally certain human characteristics and comparing those measurements with those that have been stored in a template for that same person. Templates can be stored at the biometric device, the institution’s database or in a user’s smart card.

Which of the following assures more prevention of ATM frauds?

A.    Anti-skimming card solution

B.     Surveillance video cameras

C.     Biometric verification

D.    Public service messages

Which of the following is NOT a biometric feature?

A.    Fingerprint verification

B.     Iris analysis

C.     Sweat pore analysis

D.    Foreign object detection

Select the correct SYNONYM of the underlined bold word in the sentence.

A sumptuous lunch was served after the conference.

A.    lavish

B.     light

C.     affordable

SBP Past Paper of young professional Induction programe YPIP 6th Batch

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SBP- BSC – YPIP 6th Batch


Read the following passage carefully and answer questions 1 to 3

Unfortunately, cost of printing of new notes is excessively high and unproductive, and has to be borne by the national exchequer as frequently as the fibrous currency notes become unusable. Fibrous currency also suffers from other multiple drawbacks, as listed below, owing to which several countries have replaced them.


Useful life of paper currency notes is quite short. These soon get soaked, soiled and smeared. These are also easily worn out and deformed. In countries with humid climate, or where cash transactions outnumber other modes of financial transactions, the process of decay becomes much faster.


Counterfeiting of paper currency is comparatively easy. With the advancement in technology, it has become further easier to print fibrous forged notes. On top of it, certain situations stimulate forgery. For example, demand for counterfeited currencies increase tremendously in the wake of political turbulence across the world. For instance, after the American onslaught in Afghanistan, truckloads of counterfeited US Dollars, Afghanis, and Pak Rupees were reported to be in circulation on either side of the Pak – Afghan border.

Q1.     The expenditure involved in printing new currency notes is ____________.

A.    exclusive and high
B.    very high and unproductive
C.    unacceptable and useless
D.   multi-dimensional

Q2.     According to paragraph 2, paper currency notes soon get ____________.

A.    rotten and disfigured
B.    wet, earthen and spoilt
C.    soaked, soiled and smeared
D.   faulty, foamed and fumed

Q3.     With new technological development, it has become ____________.

A.    much simpler to print forged currency
B.    not as easy to print forged notes
C.    a more complicated process to go for anything new

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