RBI PH-II English 2007 - 2011

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English

Instructions are one and same for all the English papers conducted inprevious years:

3 hours, 100 marks

All questions are compulsory.

igures to the right indicate full

marks to each question.

Each question should !e ans"ered

on a ne" page.

All parts of a question should !e ans"ered together "ithout other

ans"ers intervening.

#arks "ill !e deducted if an ans"er far e$ceeds or falls short of the

set limit or is irrelevant or if the hand"riting is illegi!le. Ans"ers must !e "ritten only in English.

ContentsCommon Instructions.................................................................................................................................. 2

Pattern............................................................................................................................................................... 2

2007 ................................................................................................................................................................... 2

Essay................................................................................................................................................................... 2

Prcis.................................................................................................................................................................. 2

Vocabulary ....................................................................................................................................................... 4

LetterWriting.................................................................................................................................................. 4

2008 ................................................................................................................................................................... 4

Essay.................................................................................................................

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.................................................. 4

Prcis.................................................................................................................................................................. 5

Comre!ension ............................................................................................................................................. "

Vocabulary ........................................................................................................

............................................... "Letter#riting................................................................................................................................................... 7

200$ ................................................................................................................................................................... 7

Essay................................................................................................................................................................... 7

Prcis.................................................................................................................................................................. 7

Comre!ension ............................................................................................................................................. 8

Vocabulary ....................................................................................................................................................... $

Letter#riting................................................................................................................................................... $

20%0 ................................................................................................................................................................... $

Essay................................................................................................................................................................... $

Precise ............................................................................................................................................................... $

Comre!ension ........................................................................................................................................... %%

Vocabulary ..................................................................................................................................................... %%

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LetterWriting................................................................................................................................................ %%

20%% ................................................................................................................................................................. %%

Essay................................................................................................................................................................. %%

Prcis#riting................................................................................................................................................. %2

Comre!ension ........................................................................................................................................... %&

Letter#riting................................................................................................................................................. %&

In t!e Englis! aer' usually t!e attern is li(e )ollo#ing*

+oic ,ar(s

Essay 40

Prcis 24Comre!ension - ocabulary base/ on t!e %"

Letter1eort #riting 20

+otal mar(s %00

%. Write an argumentatie essay o) about 500 #or/s on any one o) t!e)ollo#ing*40

3a as t!e irtual #or(lace become a reality6

3b ealt! insurance an/ #ealt!3c Latos )or noteboo(s' #!at net in sc!ools6

3/ In t!e Lig!t o) t!e oularity o) 9:Is an/ 20 20s !as +estCric(et a )uture6 3e W!at;s #rong #it! t!e

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,a(e a recis o) t!e )ollo#ing assage in your o#n #or/s' re/ucing it toabout 250 #or/s' an/ gie it a suitable title. >se t!e secial s!eetroi/e/ )or t!e urose*24+!e i/ea t!at mobile !ones bring economic bene)its is no# #i/elyaccete/. In laces #it! ba/ roa/s' )e# trains an/ arlous lan/ lines' t!eysubstitute )or trael' allo# rice /ata to be /istribute/ more ?uic(ly an/easily' enable tra/ers to reac! #i/er mar(ets an/ generally ease t!e

business o) /oing business. Leonar/ Waerman o) t!e Lon/on @usiness

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sense' roi/e/ regulatory oersig!t an/ consumerrotection measuresare in lace.

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%. Write an argumentatie essay o) about 500 #or/s on any one o) t!e)ollo#ing*403% W!at #ent #rong in

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len/ers to ote on t!eir surial. Ko #on/er t!ey are !oar/ing cas!.

+!is is #!y t!ose oliticians #!o set t!e interests o) ,ain

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inestments' in or/er to ay /o#n /ebt. ,anagers /elay ne# ro/ucts'leae )actories unbuilt' ull t!e lug on lossma(ing /iisions' an/ cut costsan/ obs. Carma(ers an/ ot!er manu)acturers #ill no longer eten/ cre/itan/ loans #ill become elusie an/ eensie. Consumers #ill su))er.>nemloyment #ill rise. Een i) t!e cre/it mar(ets #or( #ell' t!e ric!economies #ill slo# as t!e assetrice bubble os. I) cre/it is c!o(e/ o))'t!at slo#/o#n coul/ turn into a /ee recession.

inancial mar(ets nee/ goernments to set rules )or t!emD an/ #!enmar(ets )ail' goernments are o)ten best lace/ to get t!em going again.+!at;s ragmatism' not socialism. eling ban(ers is not an en/ in itsel). I)t!e goernment coul/' sae t!e cre/it mar(ets #it!out bailing out t!eban(ers' it s!oul/ /o so. @ut it cannot. ,ain

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t!e lug 34/ !oc35 1oote/ in

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3"

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is because it is /i))icult to )in/ t!e rig!t can/i/ate to )ill in t!e osition' i) aarticular emloyee ?uits.

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It is not t!at bosses )ear con)ronting t!eir emloyeesD it is ust t!at t!ey!ae become muc! more ro)essional in t!eir aroac! t!ese /ays' asoose/ to t!e tra/ition o) s!outing or losing t!eir cool. Earlier' t!ere #ere)e#er obs an/ more asirants' #!ereas no#' eery in/ii/ual !as multilecareer c!oices in t!e mar(et. +!is !as resulte/ in a /rastic c!ange in t!eattitu/e o) t!e emloyees as #ell as t!e bosses.In t!e cororate #orl/ to/ay' #!ere attrition rates are rising by t!e !our'

!o# /oes an emloyer stri(e a balance bet#een getting !is #or( /one an/not ma(ing t!e emloyee )eel ressuriBe/ an/ oerbur/ene/6 +!roug!see(ing t!e inuts o) ot!ers' rat!er t!an /ictating terms' emloyees; buyinis imortant' an/ t!e e))ectieness o) t!e solutions generate/ is li(ely to bebetter. 1esearc! suggests t!at i) you maintain your emloyees; sel)esteem'listen an/ reson/ #it! emat!y' an/ roi/e a suortie enironment'relation can be increase/. #arm an/ )rien/ly aroac! #it! a lot o)atience is al#aysa #in#in situation. boss s!oul/ be able to gauge #!at t!e can/i/ate is loo(ing )or in !isresent assignment long term career' /esignation' money' incenties'

areciation an/ tac(le t!e emloyee accor/ingly. +!e )irst an/ )oremostt!ing is to be clear about t!eeectations you !ae )rom eac! emloyee. In t!e absence o) role clarity'con)usion sets in. Emloyers to/ay are a/ating to #ays li(e coac!ing an/counselling;' be it )or a /iscilinary issue or )or er)ormance issues. 9nenee/s to see #it! t!e emloyee an/tal( it out an/ clearly care out t!e role an/ resonsibilities o) an emloyee.+!e younger lot is smart' talente/' articulate an/ muc! more aggressie' an/sometimes it is a !erculean tas( to !an/le t!em in /i))icult situations. o#/o organiBations bring out t!e best )rom t!is lot6 +!ese young guns are t!emost /i))icult to #or( #it!' since t!ey ma(e any negatie )ee/bac( an ego

issue an/ )eel t!at t!e suerior is soiling t!eir image. t t!e same time'!o#eer' t!ey are generally ery ro/uctie to t!eorganiBation. E/ucating t!em about t!e reercussions o) noncomliance ina subtle manner' #ill !el t!em. Lea/ers s!oul/ !an/le suc! o#er)ulteams by giing t!em t!e rig!t /irection' )ree/om to #or(' inole t!em in/ecisionma(ing an/ emo#er t!em so t!ey )eel imortant an/ a art o) t!eteam.or organiBations to/ay it is most imortant to !ae t!eir ision an/ aluesclearly communicate/ to t!eir emloyees. 9ne s!oul/ create an enironment#!ere emloyees )eel t!at t!ey are resecte/. Eery e))ort s!oul/ be ma/eto ensure t!at eole are not

;unis!e/; #!en a #ellt!oug!tout I/ea )ails to #or( as inten/e/.In or/er to ensure t!at t!e staM /eliers #!at you #ant t!em to' clarity o)#!at t!e role re?uires is essential. +!is also ma(es reie#ing muc! simleran/ ta(es a#ay t!e nee/

to ;con)ront; sta)). eling emloyees see #!ere t!ey can moe net in t!e

organiBation' is essential )or In/ia;s young an/ u#ar/ly motiate/

#or()orce.>n/oubtel/y' t!e

mantra o) t!e #orl/ to/ay is to !ae a ositie an/ #arm aroac!

to#ar/s its emloyees in or/er to ensure goo/ ro/uctiity #it!out

being bossy

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ns#er t#o o) t!e )ollo#ing ?uestions on t!e assage' brie)ly an/ in your o#n

#or/s*%03% W!at a/ice /oes t!e aut!or gie to ,anagers' about !o# to !an/leemloyees6

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32 o# /oes t!e aut!or /escribe t!e younger lot o) emloyees6

3& W!at are some o) t!e mo/ern met!o/s use/ to retain emloyees6

Elain /early an/ brie)ly t!e contetual meaning an/ imlication o) t!ree o)

t!e)ollo#ing eressions in t!e assage*"3% 9mniotent )antasies

32 utocratic management3& Kic!ein/ustries 34ttrition rates35 ,antra

ttemt any one o) t!e )ollo#ing in about 250 #or/s* 203% car manu)acturer !as aointe/ a committee to inestigate t!e )easibility o)setting u a car

manu)acturing lant in In/ia. s t!e C!airerson o) t!e committee' /ra)tyour reort #it! recommen/ations.

32 s t!e ,L )rom a rural area' /ra)t a roosal to start a +ec!nical College inyour area3& s t!e Aeneral ,anager o) a comany' /ra)t a circular to all emloyees about

austerity measures to be a/ote/' in or/er to ti/e oer t!e recession.

Write an argumentatie essay o) about 500 #or/s' on any one o) t!e

)ollo#ing*403% :oes Politics nee/ Et!ics6

32 Cric(et unites t!e Worl/

3& :o Aro#t! an/ Ination go toget!er634 Is Enironment our

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an/Sneglect ersons o) oor an/ mean con/ition...is t!e great an/ mostuniersal cause o) t!e corrution o) our moral sentiments.R

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,r.

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+!e claim t!at ine?uality no# matters more because o) bran/s an/ statuscometition may turn out to be more robust.

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!e #as to lose !is little )inger tomorro#' !e #oul/ not slee tonig!t D butroi/e/ !e neer sa# t!em' !e #oul/ snore #it! t!e most ro)oun/security oer t!e ruin o) a !un/re/ million o) !is bret!ren.R

ns#er t!e )ollo#ing ?uestions on t!e assage brie)ly' an/ in your o#n

#or/s *%23% :iscuss t!e uniersal cause o) t!e corrution o) our moral sentiments.

32 W!at can #ear /o#n t!e social )abric63& o# /i/ @lair eress !is )ear o) ine?uality6

34 @riey mention !o# ine?uality#orl/#i/e is )alling6 35 W!at is t!e AinicoeUcient6

3" W!y is t!e rise in ine?uality a roblem6

Elain clearly t!e contetual meaning o) t!e )ollo#ing eressions*43% Wear /o#n t!e social )abric

32 common yar/stic(

3& @lue collar tra/es

34 Peri!eral.

ttemt any one o) t!e )ollo#ing in about 250 #or/s* 20

3% :ra)t an inestigatie reort on a Jre t!at bro(e out in t!e accounts/eartment last #ee(.

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3e Is social ;net; #or(ing a blessing or a curse6

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Make a prcis of the following passage reducing it to about (!0words" and give it a suitable title# Write the prcis on the specialsheet provided for this purpose#4marks,icro)inance is no# un/erstoo/ as a )inancial actiity. @ut' it actually

emerge/ )rom /eeloment consi/erations. +!e nee/ )or access to caital#as seci)ically articulate/ by #omen /uring t!e >K Con)erence onWomen an/ :eeloment in ,eico City in%$7". +!e )ocus t!en #as on t!e microerson' t!e erson #it! a microstatus in society. +!e term micro)inance came muc! later an/ its associationmoe/ )rom saings to microcre/it to )inancial serices. o#eer' t!erimary obectie o) micro)inance !as al#ays been /eelomental in nature.ll along' it #as aime/ at remoing oerty an/ !unger. @ut t!ese t#o?uestions cannot be a//resse/ a/e?uately #it!out )actoring in t!e issue o)!ealt!.inancial serices are not ust about money or giing loans to t!e oor.

+!ey are really about buil/ing assets to roi/e security an/ lieli!oo/ tooor eole. +!is #oul/ be imossible to ac!iee #it!out ta(ing intoaccount t!e !ealt! status o) oor in/ii/uals an/ t!eir )amilies.ll too )re?uently' t!e oor /e)ault on aying bac( t!eir loans cause o) ill!ealt! an/ inability to earn /uring t!at erio/. +!is !as taug!t us animortant lesson* +!e oor #or( at t!e cost o) t!eir o#n bo/y. oor #oman;s !ealt! an/' t!ere)ore' !er bo/y is t!e )irst an/ )oremostasset o) !er #or( an/ !er li)e. or micro)inance to ac!iee its obectie o)roi/ing )inancial serices to t!e oor it !as to lay stress on !ealt! securityas a crucial element o) social security. +!ey are in/ee/' t#o si/es o) t!esame coin.W!en I starte/ organiBing in)ormal sector labour in t!e late %$"0s an/ early%$70s' I as(e/ t!e oor #!at t!ey #ante/ most inariably' it #as #or( t!eysoug!t an/ not c!arity. Nes' t!ey longe/ )or a better li)e but not t!e one#it!out /ignity. t t!e same time' it #as clear t!at t!eir earnings coul/easily be #ie/ out #it!out suort serices most imortantly' !ealt! an/c!il/care.Caacity buil/ing in numeracy an/ literacy also re?uire/ social security. +!isis necessary )or sustaine/ /eeloment an/ !ig!er leels o) e))iciency. +!isis #!ere micro)inancecan lay an imortant role an/' )or t!is reason' #e nee/ moremicro)inance co oeraties to/ay.

@ut a//ressing t!is an/ roi/ing !ealt! security is currently /i))icult since

insurance sc!emes are generally not suite/ to t!e oor. We must t!ere)ore'

/eelo innoatie insurance ro/ucts t!at meet t!e re?uirements o) t!e

oor #!ile satis)ying insurance rinciles. +!at is #!y an integrate/

aroac! t!at lin(s micro)inance #it! !ealt!care is so essential )or

/eeloment.

ro/uct t!at !as #or(e/ #ell is t!e /eositlin(e/ li)e an/ nonli)e

insurance. s t!e /eman/ )or insurance gro#s' t!e nee/ )or an

in/een/ent' autonomous bo/y o))ering !ealt! insurance to its members

gro#s as #ell. +!is is an imortant social security measure because' among

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ot!er t!ings' it can !el )inance me/ical een/iture.

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+!e ban(s can lay an imortant role in t!is area by roi/ing )inancialserices t!at cater to t!e !ealt!care nee/s o) t!e oor borro#ers. +!eseinclu/e )leible saings an/ loans an/ articularly emergency loans on/eman/. ousing loans too can mitigate t!e !ar/s!i o) t!e oor imroe/liing con/itions lea/ to better an/ !ealt!ier li)estyle. In t!is connection onenee/s to strengt!en t!e articiation o) #omen in ban(ing esecially inmicro)inance.

In t!e )inal analysis' it is t!e #omen o) t!e !ouse!ol/ #!o balance t!e)amily bu/get. +!ey can' t!ere)ore' lay a ital role in nouris!ing not ust(ins!i ties but !ealt! an/ #ellbeing o) t!e )amily as #ell. +!us' #!en s!eborro#s )rom a ,icro)inance Institution 3,I s!e sees it not ust as access tomoney but as access to an inut t!at #ill strengt!en !er )amily +o ensuret!at #omen continue to lay a iotal role in ,IIs' #e !ae to ensure t!att!ey are rotecte/ t!roug! social security an/ !ealt! security. Aoernment t!at )ails in its /uty to roi/e basic !ealt!care serices att!e local leel a//s to t!e in/ebte/ness o) t!e oor #or(ers. +!at is #!y't!e micro)inance sector s!oul/ collectiely ta(e u t!is olicy issue #it! tieAoernment. We must remember t!at income security an/ !ealt! security

are t#o si/es o) t!e same coin' esecially )or t!e oor #!o are at t!e !earto) ,Is.

Ela @!att.

$rom the above passage% &nswer following 'uestions in your

own words (&nythree%m"

3% +race t!e in o) t!e term microJnance W!at !as beenits aim all along6

32 W!y /o t!e oor /e)ault on reayment6 W!at lesson !as t!eaut!or learnt )rom t!is eerience6

3& W!y /oes t!e aut!or say t!at to truly beneJt t!e nee/y microJnancesector s!oul/ )ocus on t!e issue o) !ealt!6

34 W!at role can insurance comanies an/ ban(s lay in roi/ingsocial security to oor

borro#ers6

35 W!y /oes t!e aut!or say t!at #omen can lay a ital role in ensuringt!e success o) ,Is

)*plain conte*tual meaning of any four(4 marks"3% /eelomentconsi/erations

32 crucialelement 3&in)ormal sector34 suortserices35 sustaine/

/eeloment

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3" integrate/aroac!

Write &ny one of the following (50 words"3% In/ian !ouse!ol/s !ae saings o) aboe &0O one o) t!e !ig!est in t!e #orl/.

Committee !asbeen constitute/ to suggest arious Jnancial ro/ucts #!ere t!ese saings canbe ineste/ #it! a

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ie# to rotecting t!e rincial )rom in)lation an/ also to gie ositie an/ realreturns. :ra)t t!eCommittee 1eort.

32 Commuting to oMice /uring ea( !ours !as become an or/eal articularly inlarge cities. +!is is aMecting t!e eMiciency o) t!e emloyees. s t!e 1 ,anager/ra)t a roosal to be sent to 1@I )or intro/ucing eible #or(ing !ours in t!eban(. ig!lig!t t!e salient )eatures o) )leitime an/ !o# it #oul/ en!anceeMiciency at #or(lace.

3& 1@I !a/ issue/ a KotiJcation /irecting commercial ban(s against len/ing moret!an 80O o) t!e alue o) t!e roerty )or loans aboe 1s. 20 la(!s. +!e Presi/ento) t!e ssociation o) 1eal Estate :eeloers o) In/ia !as #ritten to 1@I statingt!at t!is moe /oes not bo/e #ell )or /eeloers as it may lea/ to /ro in !omesales. 9n be!al) o) 1@I #rite a suitable rely to be sent to t!e Presi/ent o) t!essociation. Imress uon t!e real estate /eeloers t!at t!e notiJcation isaime/ at curbing seculation in t!e mar(et an/ not at aMecting !ome sales.