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  Solved Paper Questions asked in Andhra Bank I.T.Officers’ Exam, 2008 ENGLISH LANGUAGE Qs. 1-15. Read the following passage carefully and answer the questions given below it. Certain words areprinted in bold  to help you to locate them while answer- ing some of the questions. Land in urban areas is a scarce resource whichneeds to be optimally utilised if the objectives of affordable housing and improvement in the lives of slum dwellers by the year 2020, as set out in the Mil-lennium Development Goals, are to be attained. InIndia, certain laws were enacted to regulate the use of land in urban areas. The Land Acquisition Act of 1894was enacted for building an adequate stock of urbanland for public interest purposes such as low-incomehousing, road widening, development of parks andother amenities. Such land is acquired by the govern-ment through payment of compensation to land-owners as per market value. Given that large tracts of land are frequently acquired by the government at lowprices for industrial development, it is not clear if theurban poor have benefited from this Act.The Urban Land Ceiling and Regulation Act(ULCRA) of 1976 was enacted to exercise social con-trol over urban land, so it is equitably distributed.While many social groups demand better implementa-tion of the Act, most of the States repealed it due to its adverse impacts on restricting the supply of urbanland by reserving too much for “public purposes”.ULCRA also became a charter for corruption since itenabled large-scale land holding by the government,which directed it to whatever purpose it consideredfit. There was also no evidence that the land soacquired was used for the urban poor hence the lawhas long outlived its utility. Another of ULCRA’s objec-tives was to curb speculation in urban land transac-tions. Speculation continues to plague urban land markets. Investors buy a piece of land in peripheralareas of cities for a low price, hold it until it appreci-ates in value, then sell it off at a higher price. Suchspeculation results in a general rise in the price of land. The cost of the land being the big chunk in thecost of construction, speculation in land causes hugeincreases in the price of housing as well.In the absence of an effective taxation system, oneof the means by which local governments increaserevenues is through public land leasing. There is evi-dence that land leasing has been time-tested and ishappening on a large scale in India and other coun-tries. Many cities in China financed more than half of their urban infrastructure investment from land leas-ing, while borrowing against the value of land tofinance much of the remainder. The implication isthat governments in India and other developing coun-tries have been capitalising on increases in land valuesthrough leasing to finance their infrastructure needs.This has resulted in governments utilising their landmore for revenue generation than for affordable hous-ing for the urban poor. Urban development authoritiesdo reserve a small portion of the land they acquire forhousing the economically weaker sections, which isnot adequate, given that more than half of the popula-tion of metropolitan areas live in slums. Hence author-ities need to allocate greater portion of their revenuesfrom land leasing and auctions for infrastructure andhousing the economically weaker sections.Which economic growth, capitalisation and specu-lation, land values have increased significantly andgovernments have been capitalising on them throughleasing and auctions, but have to do much more in theway of affordable housing for the urban poor. 1. Which of the following is/are Millennium Development Goals?(A) Regulating the use of land in urban areas.(B) Providing affordable accommodation to those who live in slums.(C) Ensuring there are no slums within city limits.(1) Both (A) and (B)(2) Both (A) and (C)(3) Only (B)(4) All (A), (B) and (C)(5) None of these 2. The author’s opinion of land laws is that____(1) they enable governments to cheat those they buy land from(2) they are utilised to misappropriate land forconstructing public parks instead of for indus-trial development.(3) they are relevant till date but are not imple-mented properly(4) they are ineffective and have not benefitedthose for whom they were created.(5) they are unfair because they restrict theamount of land holdings a local developmentauthority can have. 3. Which of the following is NOT true in the    ©    T   h  e   C  o  m  p  e   t   i   t   i  o  n   M  a  s   t  e  r .    C  o  n   t  e  n   t  s  o  r   T  r  a  n  s   l  a   t   i  o  n  o   f  c  o  n   t  e  n   t  s  o   f   t   h   i  s   d  o  c  u  m  e  n   t  m  u  s   t  n  o   t   b  e  r  e  p  r  o   d  u  c  e   d   i  n  a  n  y  m  a  n  n  e  r  w   i   t   h  o  u   t  p  r   i  o  r  p  e  r  m   i  s  s   i  o  n . THE COMPETITION MASTER  Available as Print Edition also for Rs 50 per copy from your local newspaper agent SUBSCRIBE& Save More than 30%* For One Year Subscription  just send Rs 350 by MO or Cheque in the name of The Competition Master  to 126, Industrial Area-1, Chandigarh - 160002, alongwith your complete name and address.  ENGLISH LANGUAGE context of the passage?(A) The Urban Land Ceiling and Regulation Act of 1976 contained certain provisos to address theissue of corruption.(B) Speculation on land on the periphery of cities isminimal.(C) The government has utilised land obtained atlow prices for public interest purposes only.(1) All (A), (B) and (C)(2) Both (A) and (B)(3) Only (C)(4) Only (B)(5) None of these 4. Which of the following is an impact of speculation?(1) It results in loss of revenue for the government.(2) It is beneficial for the economically weaker sec-tions of society.(3) It causes inferior material to be used in con-struction.(4) It raises the cost of housing considerably.(5) Many people are moving to the outskirts of cities. 5. Why do local governments engage in the practice of public land leasing?(1) Local governments are inefficient and corrupt.(2) To curb the menace of speculation.(3) To ensure land is utilised for public interests.(4) To generate revenue because of an inadequatetaxation system.(5) To increase the value of land. 6. The author’s main objective in writing thepassage is to:(1) recommend amendments that should be carriedout in existing laws in general.(2) berate the government for being unable to dealwith the menace of slums.(3) remind the government of revised deadlines tofulfil the millennium development goals.(4) exhort the government to build a more efficienttax structure.(5) draw attention to the lack of urban housing andsuggest how the government can address theissue. 7. Which of the following is TRUE in the contextof the passage?(1) Urban development authorities have madeprogress in reducing the number of slums.(2) Land value has appreciated because of economic growth.(3) The Chinese government leases public land sparingly.(4) Under the Land Acquisition Act of 1894 municipal authorities cannot utilise land forindustrial development.(5) The urban housing problem can be solved only if city boundaries are expanded. 8. Which of the following can be said about publicland leasing?(A) It is useful to finance urban infrastructuredevelopment.(B) It is detrimental since land values fall.(C) It is beneficial since it encourages the privatesector to invest in infrastructure.(1) None(2) Only (A)(3) Both (A) and (C)(4) Only (B)(5) Only (C) 9. What solution does the author recommend forproviding housing to the urban poor?(A) The government should divert a greater share of revenues earned from land leasing towards providing housing.(B) Severe punishment for officials who are corruptand capitalise on land deals at the expense of the poor.(C) State governments should repeal all the actsrelated to land ceiling.(1) Only (A)(2) Both (A) and (B)(3) Only (B)(4) All (A), (B) and (C)(5) None of these 10. On what premise was ULCRA enacted?(1) To build up stocks of land which are to be used by the government for industrial develop-ment.(2) To bring most of the urban land under the control of local governments.(3) To ensure just distribution of land.(4) To ensure land is distributed as per the marketvalue.(5) To increase revenue for the government. Qs. 11-13. Choose the word which is most nearly the SAME in meaning as the word printed in bold as used inthe passage. 11. amenities (1) pursuits(2) niceties(3) environment(4) amusements(5) facilities 12. exercise (1) implement(2) work(3) movement(4) effort(5) exertion 13. implication (1) blame(2) consequence(3) compromise(4) involvement(5) concern THE COMPETITION MASTER  Available as Print Edition also for Rs 50 per copy from your local newspaper agent SUBSCRIBE& Save More than 30%* For One Year Subscription  just send Rs 350 by MO or Cheque in the name of The Competition Master  to 126, Industrial Area-1, Chandigarh - 160002, alongwith your complete name and address.  ENGLISH LANGUAGE Qs 14-15. Choose the word which is most OPPOSITE in meaning of the word printed in bold as used in the passage. 14. optimally (1) discretionary(2) undesirable (3) incompatible(4) offensively(5) inappropriately 15. adverse (1) friendly(2) inimical (3) positive(4) divine(5) fortune Qs 16-20. Which of the phrases (1), (2), (3) and (4) given below should replace the phrase given in bold inthe following sentence to make the sentence grammati- cally meaningful and correct. If the sentence is correct as it is and no correction is required, mark (5) as theanswer. 16. While the negotiations for the agreement haveprogressed, some issues still have need to be resolved.(1) yet needed (2) were still needed(3) still need (4) had a need(5) No correction required 17. We are in the process of formulation clearly set of guidelines to monitor investment.(1) formulating clearly(2) clear formulation(3) clearly formulated(4) formulating a clear(5) No correction required 18. RBI should put in place a mechanism to regu-late interest rates charged by moneylenders.(1) put up with(2) be putting aside(3) have put down(4) put forward in(5) No correction required 19. When world steel prices were considerablyhigh, prices in India rose compared less .(1) comparatively less(2) in comparison little(3) lesser in comparison (4) compared to less(5) No correction required 20. We are holding more training programmes forexecutives but the response from them has been good.(1) since from the response(2) as the response from(3) because of the response to(4) though the response of (5) No correction required Qs 21-25. In each sentence below four words havebeen printed in bold which are numbered (1), (2), (3) and (4). One of these words may be mis-spelt or inappropri-ate in the context of the sentence. Find out the wrongly spelt or inappropriate word. The number of that word is the answer. If all the words are correctly spelt and areappropriate the answer is (5)i.e. ‘ All correct  ’ . 21. In view of our quarterly (1) results we intend (2)to hire approximately (3) two thousand additional (4)staff. All correct.(5) 22. These engineers have not been assigned (1) toprojects which are currantly (2) available, (3) since theyare undergoing (4) training. All correct.(5) 23. One of the majority (1) issues pending (2) is the increased (3) allocation (4) of funds to complete thepower generation project. All correct.(5) 24. Unless we address (1) the deficit (2) in infra-structure we cannot sustein (3) economic growth at the expected (4) rate. All correct.(5) 25. He realised that the quality (1) of services (2) being provided to employees was poor (3) and resolvedto take actions. (4) All correct.(5) Qs. 26-30. Rearrange the following six sentences (A),(B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions givenbelow them. (A) This has resulted in a global food crisis.(B) Governments can set up special funds to helpfarmers get fertilizers and high yield seeds.(C) Despite warnings from experts, world leadersdid not act to deal with the hunger crisis in poorcountries.(D) There are simple ways in which we can ease thiscrisis.(E) Thus we need to look at the global food crisis notonly as a warning but also as an opportunity tochange our ways of depleting other resourceslike water.(F) In addition governments should stop paying farmers to cultivate biofuels instead of crops. 26. Which of the following should be the FIRST sentence after rearrangement?(1) A(2) B(3) C(4) D(5) E 27. Which of the following should be the SECOND sentence after rearrangement?(1) A(2) B(3) C(4) D(5) E 28. Which of the following should be the THIRD sentence after rearrangement?(1) A(2) B(3) C(4) D(5) F 29. Which of the following should be the FIFTH sentence after rearrangement?(1) B(2) C(3) D(4) E(5) F 30. Which of the following should be the SIXTH(LAST) sentence after rearrangement?(1) A(2) B(3) C(4) D(5) E THE COMPETITION MASTER  Available as Print Edition also for Rs 50 per copy from your local newspaper agent SUBSCRIBE& Save More than 30%* For One Year Subscription  just send Rs 350 by MO or Cheque in the name of The Competition Master  to 126, Industrial Area-1, Chandigarh - 160002, alongwith your complete name and address.
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