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SBI PO Online Exam 2014 General Awareness, Computer Knowledge & Marketing Aptitude – Previous Paper Held On 28th June 2014

List of 50 General Awareness, Computer & Marketing Questions in Quiz format for State Bank of India (SBI) Probationary Officer (PO) Exam Held on 28th June 2014. Right now there is no time limit or negative marking for this quiz, so take your time and attempt all.
All the Best.
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Check one of the Sample Question –
The official football of the Brazil 2014 FIFA World Cup was named as ‘BRAZUCA’ which means

(1) Spirit of sportsmanship
(2) Spirit of the game is in playing
(3) Brazilian way of life
(4) We play to win
(5) May the Best Team Win

SBI PO Online Exam 2014 General Awareness, Computer Knowledge & Marketing Aptitude – Previous Paper with Questions and Answers

SBI PO Online Exam 2014 General Awareness, Computer Knowledge & Marketing Aptitude

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Question 1
The policy rate which is purely an indicative rate used by the Reserve Bank of India to signal long term outlook on interest rates is
A
Bank Rate
B
Repo Rate
C
Call Money Rate
D
Notice Money Rate
E
Reserve Repo Rate
Question 1 Explanation: 
The bank rate is the indicative rate at which RBI lends money to other banks (or financial institutions). It signals the central bank s long term outlook on interest rates. If the bank rate moves up, long - term interest rates also tend to move up, and vice - versa.
Question 2
The amount specified as the Cash Reserve Ratio (CRR) is held in cash and cash equivalents and is stored in bank vaults or parked with
A
Small Industries Development Bank of India (SIDBI)
B
Government of India (GOI)
C
Reserve Bank of India (RBI)
D
State Bank of India (SBI)
E
Rural Infrastructure Development Fund (RIDF)
Question 2 Explanation: 
The amount specified as the CRR is held in cash and cash equivalents, is stored in bank vaults or parked with the Reserve Bank of India. The aim here is to ensure that banks do not run out of cash to meet the payment demands of their depositors. CRR is a crucial monetary policy tool and is used for controlling money supply in an economy.
Question 3
Products that are usually purchased due to adversity and high promotional back up rather than desire are called
A
Regular goods
B
Sought goods
C
Unsought goods
D
Unique goods
E
Preferred goods
Question 3 Explanation: 
Unsought Goods are goods that the consumer does not know about or does not normally think of buying, and the purchase of which arises due to danger or the fear of danger and lack of desire. The classic examples of known but unsought goods are funeral services, encyclopaedias, fire extinguishers and reference books.
Question 4
The amount of memory (RAM or ROM) is measured in
A
Bytes
B
Bits
C
Megabytes
D
Megabits
E
Hertz
Question 4 Explanation: 
Computer storage and memory is typically measured in megabytes (MB). Most computers today provide at least 256MB of RAM memory. RAM, or random access memory, temporarily stores both software instruction and data. ROM meaning Read - Only Memory is memory whose contents can be accessed and read but can't be changed. '
Question 5
Who amongst the following has recently been sworn in as the first female judge at Pakistan's National Sharia court which hears cases under the Islamic legislation?
A
Ashraf Jilani
B
Ashraf Jabber
C
Ashraf Jana
D
Ashraf Jahangir
E
Ashraf Jehan
Question 5 Explanation: 
For the first time in its history, Ashraf Jehan - a 56 - year - old female judge - was sworn in at Pakistan's national sharia court, which hears cases under the Islamic legislation in December 2013. The court was established in 1980 during the rule of military dictator Ziaul Haq as part of his policy towards Islamisation of Pakistan's institutions.
Question 6
3/10 net 30 is an example of which of the following?
A
Cash Discount
B
Quantity Discount
C
Seasonal Discount
D
Bulk Discount
E
Trade Discount
Question 6 Explanation: 
Cash discounts are referred to as terms and may appear on a bill as 3/10, net 30, where 3 = the percent of the discount; 10 = number of days within which the buyer must pay in order to qualify for the discount net; and 30 = number of days at which payment must be made in full. Cash discounts are an inducement offered to the buyer to encourage payment of a bill within a specified period of time.
Question 7
A 'Basic Savings Bank Deposit Account' facility is available
A
To all individuals irrespective of their background
B
To all individuals from Below Poverty Line families only
C
Only to individuals from the SC / ST only
D
Only to individuals from the minority communities
E
Only to individuals from weaker sections of the society
Question 7 Explanation: 
The 'Basic Savings Bank Deposit Account' is considered as a normal banking service available to all customers, through branches. The aim of introducing Basic Savings Bank Deposit Account' is very much part of the efforts of RBI for furthering Financial Inclusion objectives.
Question 8
Which of the following refers to dangerous programs that can be caught by reopening e-mail attachments and downloading software from the internet?
A
Utility
B
Virus
C
Honey pot
D
Spam
E
App
Question 8 Explanation: 
A computer virus is a malware program that, when executed, replicates by inserting copies of itself (possibly modified) into other computer programs, data files, or the boot sector of the hard drive; when this replication succeeds, the affected areas are then said to be "infected." The vast majority of viruses target systems running Microsoft Windows.
Question 9
The official football of the Brazil 2014 FIFA World Cup was named as 'BRAZUCA' which means
A
Spirit of sportsmanship
B
Spirit of the game is in playing
C
Brazilian way of life
D
We play to win
E
May the Best Team Win
Question 9 Explanation: 
According to FIFA, "the informal term 'brazuca' (our fellow) is used by Brazilians to describe national pride in the Brazilian way of life", and "mirroring their approach to football, it symbolizes emotion, pride and goodwill to all."
Question 10
Under priced products sell very well, but they produce less revenue than they would have if prices were raised to the
A
Variable Level
B
Demand Curve level
C
Price Floor Level
D
Perceived Value Level
E
Value based Level
Question 10 Explanation: 
If the seller charges more than the buyers' perceived value, its sales will suffer. Many companies overprice their products, resulting in poor sales. Other companies underprice. Underpriced products sell very well, but they produce less revenue than they would if the company raised its price to the perceived - value level.
Question 11
is a written description of a computer program's functions.
A
Explanatory instructions
B
Graphical user interface
C
Plug and Play .
D
READ ME Files
E
Documentation
Question 11 Explanation: 
Computer programs include documentation, which is a written description of the functions of the program. Documentation helps the user operate the computer system and it helps other programmers understand what the program does and how it accomplishes its purpose.
Question 12
The term 'pre-shipment finance' relates to
A
Export credit
B
Consumer credit
C
Farm credit
D
Investment credit
E
Industrial credit
Question 12 Explanation: 
'Pre - shipment/Packing Credit is the working capital finance granted to an exporter for purchase, processing, manufacturing or packing of goods prior to shipment/working capital expenses towards rendering of services against LCs or confirmed/irrevocable order or any other evidence of an order for export.
Question 13
The Government of India has undertaken a programme of re-capitalization of Public Sector Banks to help them enhance business growth and
A
Capital Adequacy Ratio
B
Ratio of Non Performing As-sets
C
Per Employee Business Ratio
D
CASA Ratio
E
Credit to Deposit Ratio
Question 13 Explanation: 
Recapitalization of Public Sector banks will shore up capital adequacy ratio. India's public banks have to meet a minimum equity capital rate of 8% under global Basel III norms by 2018. The capital requirement is magnified as bad assets of public sector banks have been ballooning.
Question 14
Which of the following keys is used to delete characters to the left of the cursor?
A
Alt + Delete
B
Shift
C
Esc
D
Delete
E
Backspace
Question 14 Explanation: 
A conventional keyboard has two keys to make deletions. The backspace key deletes characters to the left of the cursor. The delete key deletes characters to the right of the cursor.
Question 15
Senior Supreme Court advocate Mukul Rohatgi has recently been appointed as the new
A
Principal Secretary to the PM
B
Director of Public prosecutions
C
Advocate General of India .
D
Solicitor General of India
E
Attorney General of India
Question 15 Explanation: 
Senior Supreme Court advocate Mukul Rohatgi has been appointed the new Attorney General of India, the top law officer of the country. His appointment came after the country's two top law officers Attorney General Goolam Essaji Vahanvati and Solicitor General Mohan Parasaran resigned.
Question 16
Which of the following refers to restarting the system when it is already powered on?
A
Strong Boot
B
Hibernation
C
Cold Boot
D
Standby Mode
E
Warm Boot
Question 16 Explanation: 
Starting a computer from a powered - off state is called, "cold - booting." If the computer is already running and is being restarted, it already has the environment parameters and settings loaded and will skip the initialization routines and perform a "warm boo" by only restarting the operating system.
Question 17
Which of the following nations is not a member of the SAARC?
A
Nepal
B
Mauritius
C
Bhutan
D
Afghanistan
E
Maldives
Question 17 Explanation: 
SAARC was established in 1985 with Bangladesh, Bhutan, India, Maldives, Nepal, Pakistan, and Sri Lanka as member nations. Afghanistan joined SAARC as its eighth member state in April 2007.
Question 18
Market Price is also known as
A
List Price
B
Value Price .
C
Effective Price
D
Retail Price
E
Wholesaler Price
Question 18 Explanation: 
In economics, market price is the economic price for which a good or service is offered in the marketplace. The market price is also called effective price as it is the amount actually paid.
Question 19
The phenomenon, when a customer dislikes a product and talks against the product, is termed as
A
Misinformation
B
Unfavourable environment.
C
Propaganda
D
Bad impression
E
Bad mouth
Question 19 Explanation: 
Bad mouth literally means to speak critically and often disloyally of any product. It happens when a customer does not talk in favour of the product. Bad mouth travels fast.
Question 20
The abbreviation ASBA stands for
A
Applications Supported by Blocked Account
B
Applications Supported by Bank Account
C
Applications Sustained by Blocked Amount
D
Applications Serviced by Blocked Account
E
Applications Supported by Blocked Amount
Question 20 Explanation: 
ASBA (Applications Supported by Blocked Amount) is a process developed by the India's Stock Market Regulator SEBI for applying to IPO. In ASBA, an IPO applicant's account doesn't get debited until shares are allotted to them. Earlier Qualified Institutional Buyers (QIBs) were not allowed to participate in IPOs through ASBA facility
Question 21
A customer requirement about any product in which he/ she needs to avail core features in that product, is called
A
Real Need
B
Delighted Need
C
No Need
D
Stated Need
E
Unstated Need
Question 21 Explanation: 
Stated needs are those that the customer clearly tells about. They are the easiest to deal with.
Question 22
Which of the following is a mode for creating charge on Life Insurance Policies?
A
Pledge
B
Lien
C
Assignment
D
Hypothecation
E
Equitable Mortgage
Question 22 Explanation: 
Assignment is the charge created on the book of debts, life insurance policies, receivables, etc. For example, a bank can finance against the book debts. In such a case, the borrower assigns the book debts to the bank.
Question 23
Bankers generally do not allow opening of accounts in the name of
A
Executors and Trustees
B
Persons of unsound mind
C
Illiterate persons
D
Visually impaired persons
E
Pardanashin ladies
Question 23 Explanation: 
A person of unsound mind cannot make a valid contract. So, the bankers do not open an account in the name of a person of unsound mind. But a customer may become lunatic after opening an account with the bank.
Question 24
Which of the following is an example of an input device?
A
Monitor
B
Scanner
C
Printer
D
CD
E
Speaker
Question 24 Explanation: 
In computing, an input device is any peripheral (piece of computer hardware equipment) used to provide data and control signals to an information processing system such as a computer or other information appliance. Examples of input devices include keyboards, mouse, scanners, digital cameras and joysticks.
Question 25
The Reserve Bank of India has been critical of home loan facilities with comparatively low interest rates in the initial years but higher in the subsequent years which are popularly known as the
A
Teaser Rates
B
Cheaper Rates
C
Twister Rates
D
Cheaper Rates
E
Trickster Rates
Question 25 Explanation: 
Teaser rates refer to comparatively lower rates of interest in the first few years, after which rates are reset at higher rates. This practice raises concern as some borrowers may find it difficult to service the loans once the normal interest rate, which is higher than the rate applicable in the initial years, becomes effective.
Question 26
Which of the following is NOT a technique of measuring cus-tomer satisfaction and moni-toring customer's complaint?
A
Exit interviews
B
Web Information Hotlines
C
Business analysis
D
Customer Complaints Data-base
E
Telephone Information Facilities
Question 26 Explanation: 
Customer satisfaction and complaint monitoring procedures, including; exit interviews, customer complaints database, and Web and telephone information hotlines. Business analysis is a research discipline of identifying business needs and determining solutions to business problems.
Question 27
Who amongst the following has been named as the goodwill ambassador for the 35th National Games to be held in the Kerala in early 2015?
A
S. Sreesanth .
B
Sachin Tendulkar
C
Mary Kom
D
P. T. Usha
E
Mahendra Singh Dhoni
Question 27 Explanation: 
Kerala Government, in May 2014, announced cricket legend Sachin Tendulkar as the Goodwill Ambassador for the 35th edition of National Games, slated to be held across seven cities in Kerala early in 2015. Sachin was chosen as the ambassador during his meeting with Oommen Chandy, the Chief Minister of Kerala.
Question 28
The Depositor Education and Awareness Fund (DEAF) has been set up with
A
Public sector banks
B
Indian Banks Association
C
State Bank of India
D
Reserve Bank of India
E
Government of India
Question 28 Explanation: 
The Reserve Bank of India (RBI), in January 2014, announced to establish a fund to be called 'Depositor Education and Awareness Fund', which would comprise unclaimed funds of depositors. Pursuant to the amendment of The Banking Laws (Amendment) Act, 2012, Section 26A has been inserted in the Banking Regulation Act, 1949, that empowers the Reserve Bank to establish DEAF.
Question 29
The operating system is the most common type of software.
A
Allocation
B
Anti virus
C
Communication
D
System
E
Word processing
Question 29 Explanation: 
The operating system is the most important type of system software in a computer system. Without an operating system, a user cannot run an application program on their computer (unless the application program is self booting).
Question 30
Hindustan Motors, India's oldest car maker recently shut down its factory at Uttarpara in West Bengal and suspended the production of the iconic
A
Utility Vehicle Pushpak
B
Ambassador car
C
Bedford truck
D
Contessa car
E
Morris Oxford Car
Question 30 Explanation: 
Hindustan Motors, India's oldest car maker, shut down its factory at Uttarpara in West Bengal state, where it had been making the Ambassador - based on Britain's long - defunct Morris Oxford - since 1957. Production was suspended due to debt and lack of demand for the iconic vehicle.
Question 31
In Trade and Finance, a financial transaction involving the purchase of receivables from third party who takes all the risks is associated with
A
Forfeiting
B
Securitization
C
Negotiation
D
Factoring
E
Assignment
Question 31 Explanation: 
Factoring is a financial transaction whereby a company sells its accounts receivable to a third party, the factor, at a discount to obtain cash. Factoring differs from a bank loan as the.emphasis is on the value of the receivables, not the company's creditworthiness. Factoring is not a loan - it is a sale of receivables.
Question 32
Which of the following is not a storage device?
A
Floppy disk
B
DVD
C
Printer
D
Hard Disk
E
CD
Question 32 Explanation: 
Storage Devices are the data storage devices that are used in the computers to store the data. Examples of such devices include: floppy disk drives, the CD ROM, and the DVD ROM, flash memory, the USB data, etc.
Question 33
is having more memory addresses than are physically available.
A
Virtual memory
B
System software
C
Application software
D
RAM
E
Vertical memory
Question 33 Explanation: 
In computing, virtual memory maps memory addresses used by a program, called virtual addresses, into physical addresses in computer memory. It frees applications from having to manage a shared memory space and is able to conceptually use more memory than might be physically available, using the technique of paging.
Question 34
Relationship marketing is also known as
A
Loyalty marketing
B
Experimental marketing
C
Value marketing
D
Promotional marketing
E
Brand marketing
Question 34 Explanation: 
Relationship marketing was first defined as a form of marketing developed from direct response marketing campaigns which emphasizes customer retention and satisfaction, rather than a dominant focus on sales transactions. It speaks of the "relationship ladder of customer loyalty". It groups types of customers according to their level of loyalty.
Question 35
Fourth generation PCs contain
A
Information
B
Data
C
Vacuum tubes
D
Microprocessor
E
Transistor
Question 35 Explanation: 
The microprocessor is the characteristic of fourth generation computers, capable of performing all of the functions of a computer's central processing unit. The reduced size, reduced cost, and increased speed of the microprocessor led to the creation of the first personal computers.
Question 36
Which of the following is NOT an aggressiveness strategy?
A
Harvesting
B
Holding
C
Intensification
D
Building
E
All of the above
Question 36 Explanation: 
Aggressiveness strategies are rated according to their marketing assertiveness, their risk propensity, financial leverage, product innovation, speed of decision making, amongst others. Building, holding and harvesting come under aggressiveness strategies.
Question 37
The hard drive is normally located
A
Next to the printer
B
Plugged into the back of the computer
C
Underneath the monitor
D
On top of the CD-ROM
E
Inside the system base unit
Question 37 Explanation: 
The hard disk drive is normally located inside the system unit. Because hard disks can hold massive amounts of information, they usually serve as your computer's primary means of storage, holding almost all of your programs and files.
Question 38
The winner of the 51st Femina Miss India 2014 pageant is
A
Jhatalekha Malhotra
B
Navneet Kaur Dhillon
C
Koyal Rana
D
Gail Nicole Da Silva
E
Megan Young
Question 38 Explanation: 
Jaipur girl Koyal Rana was on Saturday crowned Femina Miss India 2014 at the 51st edition of the beauty pageant in Mumbai in April 2014. The first and second runners - up were Jhatalekha Malhotra from Mumbai and Gail Nicole Da Silva from Goa respectively.
Question 39
Virtual memory allocates hard disk spaces to supplement the immediate, functional memory capacity of
A
ROM
B
EPROM
C
Registers
D
Extended memory
E
RAM
Question 39 Explanation: 
Most OSs support virtual memory, which allocates space on the hard disk to supplement the immediate, functional memory capacity of RAM. Virtual memory works by swapping programs or parts of programs between memory and one or more disk devices - a concept called paging.
Question 40
Commercial Paper is an unsecured money market instru-ment issued in the form of a promissory note. Commercial Paper can be issued in denominations of
A
Rs 1 lakh or multiples thereof
B
Rs 2 lakhs or multiples thereof
C
Rs 3 lakhs or multiples thereof
D
Rs 5 lakhs or multiples thereof
E
Rs 10 lakhs or multiples thereof
Question 40 Explanation: 
CP can be issued in denominations of Rs.5 lakh or multiples thereof. CP can be issued for maturities between a minimum of 7 days and a maximum of up to one year from the date of issue. However, the maturity date of the CP should not go beyond the date up to which the credit rating of the issuer is valid.
Question 41
As consumer banking funds are on the rise, a Reserve Bank of India (RBI) group has suggested the use of PKI in order to regulate payment system in the country. The abbreviation PKI stands for
A
Public Key Infrastructure
B
Personnel Key Infrastructure
C
Private Key Infrastructure
D
Permanent Key Infrastructure
E
Proprietary Key Infrastructure
Question 41 Explanation: 
A public key infrastructure (PKI) is a set of hardware, software, people, policies, and procedures needed to create, manage, distribute, use, store, and revoke digital certificates. PKI public key infrastructure enables users of a basically unsecure public network such as the Internet to securely and privately exchange data and money.
Question 42
The Reserve Bank of India recently issued guidelines allowing minors over 10 years of age to operate bank accounts in-dependently with a view to
A
Promote financial inclusion
B
Increase low cost deposit of banks
C
Improve CASA percentage of banks
D
Mobilise Saving bank Deposit of banks
E
To put ATMs and other infrastructure to optimum use
Question 42 Explanation: 
The step is intended to promote financial inclusion and bring uniformity in opening of such accounts in banks. All minors can now open a savings/fixed/recurring bank de - posit account through either his/her natural guardian or legally appointed guardian.
Question 43
A company is providing warehousing facility to its channel members. The company is using which of the following?
A
Seasonal discount
B
Cash discount
C
Quantity discount
D
Trade discount
E
Quality discount
Question 43 Explanation: 
A trade discount is the amount by which a manufacturer reduces the retail price of a product when it sells to a reseller, rather than to the end customer. Trade discounts (also called functional discounts) are payments to distribution channel members for performing some function. Examples of these functions are warehousing and shelf stocking.
Question 44
Aggressive pricing is associated with which of the following stage of product life cycle?
A
Growth
B
Maturity
C
Decline
D
Introduction
E
Not associated
Question 44 Explanation: 
Predatory pricing, also known as aggressive pricing (also known as "undercutting"), is intended to drive out competitors from a market. It is related to maturity stage in which prices tend to drop due to the proliferation of competing products. It aims to drive competitors out of market.
Question 45
The United Nations and the International Olympic committee recently signed a historic agreement to use the power of sports to promote
A
Literacy and awareness
B
Peace and economic development
C
World amity and friendship
D
Peaceful use of nuclear technology
E
World trade and commerce
Question 45 Explanation: 
The United Nations (U.N.) and the International Olympic Committee (IOC), in April 5014, signed a historic agreement to use the power of sports to promote peace and economic development, a move that strengthens collaboration between two of the world's major organizations.
Question 46
The Canadian Government recently announced the suspension of funding to the Commonwealth Secretariat for two years over the issue of human rights abuse by
A
United Kingdom
B
New Zealand
C
South Africa
D
Australia
E
Sri Lanka
Question 46 Explanation: 
Canada, in April 2014, suspended $ 10 - million contribution to the Commonwealth Secretariat over alleged human rights abuses in Sri Lanka, which currently chairs the 53 - nation alliance. Since defeating the Tamil Tigers rebels in 2009, Sri Lanka has faced mounting allegations its forces committed war crimes during the final months of the separatist conflict.
Question 47
Nobel laureate and recipient of the United States President Medal and also the United States Congressional Medal, Dr. Mohammad Yunus of Bangladesh is well known for his contribution to
A
Consumer Credit sector
B
Agro Credit sector
C
Housing Finance Sector
D
Microcredit sector
E
Retail Credit sector
Question 47 Explanation: 
Muhammad Yunus is a Bangladeshi social entrepreneur, banker, economist and civil society leader who was awarded the Nobel Peace Prize for founding the Grameen Bank and pioneering the concepts of microcredit and microfinance. These loans are given to entrepreneurs too poor to qualify for traditional bank loans.
Question 48
Which of the following is NOT an objective of discounts?
A
Reward valuable customers
B
Reward competitors
C
Move out-of-date stock
D
Increase short-term sales
E
All of the above
Question 48 Explanation: 
The Purpose of Discounts is to: (i) Increase short - term sales, (ii) Move out - of - date stock, (iii) Reward valuable customers, and (iv) Encourage distribution channel members to perform a function.
Question 49
Java is referred to as a(n)
A
High level language
B
Complex language
C
Hardware device driver
D
Low level language
E
Programming mid-level language
Question 49 Explanation: 
The Java programming language is a high - level language that is simple, object - oriented, multi - threaded, dynamic, architecture neutral and high performance, it is both a programming language and a platform. It is used in a wide variety of computing platforms from embedded devices and mobile phones on the low end, to enterprise servers and supercomputers on the high end.
Question 50
Kepler-78b is the name of
A
An American nuclear missile
B
A Russian armoured vehicle
C
A precision measuring instrument
D
A Spanish sea vessel
E
An Earth-sized planet far beyond our solar system
Question 50 Explanation: 
Kepler - 78b is an exoplanet orbiting around the star Kepler - 78. At the time of its discovery, it was the known exoplanet most similar to Earth in terms of mass, radius and mean density. It s 69% more massive than Earth and is 20% larger.
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Nitin

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