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Question (1-10): In the following passage, there are blanks each of which is numbered. These numbers are printed below and against each, five words are suggested out of which only one fits the blank properly. Find out that word in each case.
Bad loans at Indian banks have ………. an unprecedented 30% in the third quarter and things are likely to get ……. This follows an official review last quarter by Reserve Bank of India governor Raghuram Rajan, when India’s banking regulator started a bank-by-bank review of stressed accounts. For all the past few years of growth and …….., banks in India have …….. rolling over troubled loans or restructured them to make terms favorable to borrowers. Rajan has set banks a March 2017 deadline to …….. their balance sheets and treat some troubled loan accounts as bad and make provisions for them by the end of this March. The aim is that the clean-up, which started in the December quarter, will restore the health of banks, .…….. lending and, in turn, boost economic growth.
But there’s still time for that.
According to a report by Credit Suisse, bad loans are likely to …….. further to 6.6% of loans by Mar 2016 as most banks have ………. the impact over two quarters. (On Tuesday, State Bank of India , the country’s largest state-owned bank said bad loans are expected to ……… in the coming quarter and this will likely hit profitabiliy.) The provision coverage–having enough capital in the bank to provide for any bad loans–has also ………to 43%. Meaning, only 43% of the loans are provided for. At state-owned banks the unprovided non performing assets (NPAs) are now 30–75% of their capital and un-provided problem loans (loans which are in trouble and could turn into NPAs) even higher at 65–200%, the report said. (Once a borrower has failed to make interest or principal payments for 90 days, the loan is considered to be a non-performing asset or NPA.)
That’s a huge number.
“As was our concern, the RBI audit revealed significant under-recognition of NPAs. However based on our analysis full recognition is yet to happen,” the report said.
1. Find out the right word
a) Jumped
b) Stand
c) Ended
d) Declined
e) Other than those as given in the options
2. Find out the right word
a) Worse
b) Better
c) Improved
d) Healthier
e) Other than those as given in the options
3. Find out the right word
a) Broke
b) Damage
c) Reform
d) Wave
e) Other than those as given in the options
4. Find out the right word
a) Stopped
b) Ceased
c) Continued
d) Quitted
e) Other than those as given in the options
5. Find out the right word
a) Forfeit
b) Scattered
c) Dwindled
d) Clean up
e) Other than those as given in the options
6. Find out the right word
a) Weaken
b) Revive
c) Suppress
d) Agitate
e) Other than those as given in the options
7. Find out the right word
a) Keep
b) Move up
c) Retard
d) Take back
e) Other than those as given in the options
8.Find out the right word
a) Deferred
b) Advanced
c) Furthered
d) Forwarded
e) Other than those as given in the options
9. Find out the right word
a) Decrease
b) Worsen
c) Decline
d) Surge
e) Other than those as given in the options
10. Find out the right word
a) Slipped
b) Corrected
c) Remained
d) Fall
e) Other than those as given in the options
