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CG Apex Bank Recruitment practice questions

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Question 1English Language

In a bank recruitment notice, choose the sentence that is grammatically correct in formal written English.

  1. Neither the branch manager nor the cashiers been available for comment.
  2. Neither the branch manager nor the cashiers was available for comment.
  3. Neither the branch manager or the cashiers were available for comment.
  4. Neither the branch manager nor the cashiers were available for comment. Correct answer.

Explanation

With a correlative conjunction such as 'neither...nor', the verb agrees with the subject nearer to it. Here the nearer subject 'cashiers' is plural, so the plural verb 'were' is required.

Question 2English Language

Apex Bank's circular reads: 'The revised interest rates will be applicable ___ all savings accounts from 1 April.' Which preposition completes the sentence correctly?

  1. for
  2. to Correct answer.
  3. at
  4. on

Explanation

The adjective 'applicable' is followed by the preposition 'to' when naming the thing a rule or rate applies to. 'Applicable to all savings accounts' is the standard banking phrasing.

Question 3English Language

Choose the option that best replaces the underlined part: 'The auditor asked the clerk that why the ledger had not been initialled.'

  1. asked the clerk that why the ledger had not been initialled
  2. asked the clerk why the ledger had not been initialled Correct answer.
  3. asked the clerk that the ledger why had not been initialled
  4. asked to the clerk why had the ledger not been initialled

Explanation

In reported speech, an embedded wh-question keeps statement word order and takes no 'that'. The correct form is 'asked the clerk why the ledger had not been initialled'.

Question 4English Language

Which word is closest in meaning to 'remittance' as used in a bank's outward clearing register?

  1. Collateral
  2. Deduction
  3. Endorsement
  4. Transfer of funds Correct answer.

Explanation

A remittance is money sent from one party to another, typically through a bank. In clearing records it denotes the transfer of funds rather than a deduction, security or signature.

Question 5English Language

Identify the part of the sentence that contains an error: 'The bank (A) has issued (B) strict instructions that every employee (C) must submit their KYC declaration before (D) the month end.'

  1. D Correct answer.
  2. A
  3. B
  4. C

Explanation

The idiom is 'by the month end' or 'before the end of the month', not 'before the month end' as a fixed phrase with 'the' placed that way. The remaining segments are grammatically sound.

Question 6English Language

Complete the sentence with the correct idiom: 'The fraud was detected because the ledger entries did not ___ with the cash balance.'

  1. correspond about
  2. agree upon
  3. match up to
  4. tally Correct answer.

Explanation

'Tally with' is the standard expression meaning to be consistent with another record. It is the idiomatic choice for comparing ledger entries against a cash balance.

Question 7English Language

Choose the sentence in which the article usage is correct for banking contexts.

  1. She applied for home loan and overdraft facility on a same day.
  2. She applied for the home loan and an overdraft facility on the same day. Correct answer.
  3. She applied for a home loan and an overdraft facility on same day.
  4. She applied for a home loan and a overdraft facility on the same day.

Explanation

'The same day' is a fixed expression requiring the definite article, and 'overdraft' begins with a vowel sound so it takes 'an'. Only one option satisfies both points.

Question 8English Language

In the sentence 'The committee, after reviewing the loan applications, ___ its decision by Friday', choose the verb that correctly completes it.

  1. have announce
  2. are announcing to
  3. will announces
  4. will announce Correct answer.

Explanation

The subject 'committee' is treated as a single body taking a singular verb, and the modal 'will' must be followed by the base form. 'Will announce' satisfies both requirements.

Question 9English Language

Which option correctly rewrites the sentence in the passive voice? 'The recovery officer has seized the defaulted collateral.'

  1. The defaulted collateral is seized by the recovery officer has.
  2. The defaulted collateral has been seized by the recovery officer. Correct answer.
  3. The defaulted collateral was being seize by the recovery officer.
  4. The defaulted collateral has seized by the recovery officer.

Explanation

The present perfect active 'has seized' becomes 'has been seized' in the passive, with the object promoted to subject. The agent is introduced by 'by'.

Question 10English Language

Choose the word that best fits: 'Because the borrower's income was ___, the sanction was declined.'

  1. inadequate Correct answer.
  2. inadequately
  3. inadequacy
  4. adequacy

Explanation

The blank follows the linking verb 'was' and must be an adjective describing 'income'. 'Inadequate' is the adjective; the other forms are a noun or an adverb.

Question 11English Language

Which sentence uses the conditional correctly for a bank's policy statement?

  1. If the customer defaults, the bank will initiate recovery proceedings. Correct answer.
  2. If the customer would default, the bank will initiate recovery proceedings.
  3. If the customer will default, the bank would initiate recovery proceedings.
  4. If the customer defaults, the bank would have initiated recovery proceedings.

Explanation

A first conditional expresses a real future possibility using present simple in the if-clause and 'will' in the main clause. 'If the customer defaults, the bank will initiate' follows that pattern.

Question 12English Language

Choose the correctly punctuated sentence suitable for a bank's official circular.

  1. The branch will remain closed on 31 March, however ATM services will continue.
  2. The branch will remain closed on 31 March; however, ATM services will continue. Correct answer.
  3. The branch will remain closed on 31 March however, ATM services will continue.
  4. The branch will remain closed on 31 March however ATM services will continue.

Explanation

'However' as a conjunctive adverb joining two independent clauses takes a semicolon before it and a comma after it. Only one option applies both marks correctly.

Question 13English Language

Select the option that expresses the sentence most concisely without changing its meaning: 'In view of the fact that the account was dormant, the bank decided to freeze it.'

  1. In view of the fact of the dormant account, the bank decided to freeze it.
  2. Due to the reason that the account was dormant, the bank decided to freeze it.
  3. Owing to the fact that the account was dormant, the bank decided to freeze it.
  4. Because the account was dormant, the bank decided to freeze it. Correct answer.

Explanation

'In view of the fact that' is wordy and can be replaced by the single conjunction 'because'. The resulting sentence keeps the causal meaning with fewer words.

Question 14English Language

Which sentence correctly uses 'lie' and 'lay' in a banking context?

  1. The responsibility to verify documents lays with the branch manager.
  2. The responsibility to verify documents lies with the branch manager. Correct answer.
  3. The responsibility to verify documents is laying with the branch manager.
  4. The responsibility to verify documents lie with the branch manager.

Explanation

'Lie' is intransitive and means to rest or be situated; its third-person singular form is 'lies'. 'Lay' is transitive and needs an object, so it cannot be used here.

Question 15English Language

Choose the option that correctly completes the sentence: 'Had the bank verified the signature, the fraudulent withdrawal ___.'

  1. had been prevented
  2. would have been prevented Correct answer.
  3. would be prevented
  4. will have been prevented

Explanation

An inverted third conditional ('Had the bank verified...') requires 'would have' plus a past participle in the main clause. 'Would have been prevented' completes that structure.

Question 16English Language

In the sentence 'Scarcely had the branch opened ___ the customers rushed in', choose the correct conjunction.

  1. that
  2. than
  3. then
  4. when Correct answer.

Explanation

The correlative pattern with 'scarcely' (or 'hardly') is 'scarcely...when'. 'No sooner' is the form that pairs with 'than'.

Question 17English Language

Which word is the best antonym of 'solvent' as applied to a borrowing company?

  1. Insolvent Correct answer.
  2. Liquid
  3. Profitable
  4. Audited

Explanation

'Solvent' means able to meet financial obligations; its direct opposite is 'insolvent', meaning unable to pay debts. The other options describe unrelated financial qualities.

Question 18English Language

Choose the correct form: 'The bank has ___ a fresh set of guidelines on digital lending.'

  1. issue
  2. issuing
  3. issues
  4. issued Correct answer.

Explanation

After the auxiliary 'has', the main verb must be in the past participle form. 'Issued' is the past participle of 'issue' and completes the present perfect.

Question 19English Language

Identify the sentence that uses a correctly formed comparative.

  1. The new mobile banking app is user-friendlier than the previous one is more.
  2. The new mobile banking app is most user-friendly than the previous one.
  3. The new mobile banking app is more user-friendlier than the previous one.
  4. The new mobile banking app is more user-friendly than the previous one. Correct answer.

Explanation

Compound adjectives ending in '-ly' form the comparative with 'more', not by adding '-er'. 'More user-friendly than' is therefore the correct comparative construction.

Question 20English Language

Which option best replaces 'a large number of' to make the sentence formal and precise? 'A large number of accounts were flagged during the audit.'

  1. Many accounts were flagged Correct answer.
  2. A lot of accounts were flagged
  3. Lots of accounts were flagged
  4. Plenty accounts were flagged

Explanation

'Many accounts' is concise, formal and grammatically complete for a countable plural noun. The other options are informal or, in one case, ungrammatical.

Question 21English Language

Choose the sentence with correct use of the modal for obligation in a compliance notice.

  1. All staff must completes the AML training by Friday.
  2. All staff must completing the AML training by Friday.
  3. All staff must to complete the AML training by Friday.
  4. All staff must complete the AML training by Friday. Correct answer.

Explanation

Modal verbs such as 'must' are followed by the bare infinitive, with no 'to' and no inflection. 'Must complete' is therefore the only correct form.

Question 22English Language

In the sentence 'The auditor, together with the internal controllers, ___ expected to sign the report', choose the correct verb.

  1. are
  2. is Correct answer.
  3. were
  4. have been

Explanation

A phrase introduced by 'together with' does not change the number of the subject. The true subject is the singular 'auditor', so the singular verb 'is' is required.

Question 23English Language

Which sentence correctly uses 'amount' and 'number'?

  1. A large number of money was withdrawn on Monday.
  2. A large amount of cheques were cleared on Monday.
  3. A large amount of customers visited the branch on Monday.
  4. A large number of customers visited the branch on Monday. Correct answer.

Explanation

'Number' is used with countable plural nouns such as 'customers', while 'amount' is used with uncountable nouns such as 'money'. Only one option pairs them correctly.

Question 24English Language

Choose the option that best completes the sentence: 'The borrower was asked to furnish proof ___ identity and address.'

  1. of Correct answer.
  2. about
  3. off
  4. for

Explanation

'Proof of' is the standard collocation when naming what is being proved. 'Proof of identity and address' is the conventional KYC phrasing.

Question 25English Language

Which sentence avoids a dangling modifier?

  1. Having verified the documents, the sanctioning of the loan was done.
  2. Having verified the documents, the loan was sanctioned by the officer.
  3. Having verified the documents, it was decided to sanction the loan.
  4. Having verified the documents, the officer sanctioned the loan. Correct answer.

Explanation

A participial phrase must modify the subject of the main clause. Only in the correct option does 'the officer' perform the verifying and the sanctioning.

Question 26English Language

A bank's vigilance report must read formally. Choose the option that best replaces the underlined part of: 'The branch is going to look into the matter of the missing KYC files.'

  1. is going to check up on the missing KYC files matter
  2. will do an enquiry regarding to the missing KYC files
  3. shall be looking into about the missing KYC files
  4. will investigate the matter of the missing KYC files Correct answer.

Explanation

Formal banking prose prefers a single precise verb such as 'investigate' over the colloquial phrasal verb 'look into', and it avoids stacked prepositions. 'Will investigate' also keeps the future reference intact, so meaning is preserved while register is raised.

Question 27English Language

In a bank's internal note, which sentence places the modifier correctly so that the meaning is unambiguous?

  1. Having verified the collateral documents, it was the sanction letter that the manager issued.
  2. Having verified the collateral documents, the manager issued the sanction letter. Correct answer.
  3. Having verified the collateral documents, the sanction letter was issued by the manager.
  4. The sanction letter, having verified the collateral documents, was issued by the manager.

Explanation

A participial phrase at the start of a sentence must describe the subject of the main clause. Only in one option is the manager, the person who actually verified the documents, also the subject that issues the letter.

Question 28English Language

Choose the option that correctly completes the sentence in a bank's credit policy note: 'The Board has directed that every large exposure ___ approved by the risk committee before disbursement.'

  1. will be
  2. be Correct answer.
  3. is
  4. shall being

Explanation

Verbs such as 'direct', 'insist', 'recommend' and 'require' take a that-clause with the base form of the verb (the subjunctive) in formal English. 'Be approved' is therefore the correct form after 'has directed that'.

Question 29English Language

A recovery officer writes: 'The guarantor, along with the two co-borrowers, ___ summoned to the tribunal next week.' Choose the correct verb and the reason it applies.

  1. are; because three parties are named in the subject
  2. were; because the summons concerns past dues
  3. have been; because the hearing is plural in nature
  4. is; because 'along with' does not change the singular subject Correct answer.

Explanation

The subject of the sentence is 'the guarantor', which is singular. Phrases such as 'along with', 'together with' and 'as well as' are parenthetical and do not make the subject plural, so the singular verb 'is' is required.

Question 30English Language

Read the sentence: 'The auditor observed that the branch had disbursed the loan before the valuation report was received.' Which option correctly identifies the tense relationship and its effect?

  1. Simple past 'was received' shows the report arrived first, and 'had disbursed' merely reports a later event.
  2. 'Had disbursed' is a conditional form indicating that the disbursement depended on the report.
  3. Past perfect 'had disbursed' marks an action completed before another past action, showing the disbursement preceded receipt of the report. Correct answer.
  4. The past perfect is used incorrectly here, since both actions must take the simple past.

Explanation

The past perfect ('had disbursed') places one past event earlier than another past event ('was received'). The sequence is therefore clear: disbursement happened first, and the valuation report arrived afterwards, which is exactly the compliance lapse the auditor is flagging.

Question 31Reasoning Ability

In a bank's reasoning paper, the statement 'All auditors are analysts' is given as true. Which conclusion follows necessarily from it?

  1. No auditors are analysts
  2. Some analysts are auditors Correct answer.
  3. All analysts are auditors
  4. Some auditors are not analysts

Explanation

A universal affirmative statement 'All A are B' guarantees the existence of at least one A in standard categorical reasoning, so it follows that some B are A. The converse 'All B are A' is not entailed, because the set of analysts may be larger than the set of auditors. Only the conversion to 'Some analysts are auditors' is a valid immediate inference.

Question 32Reasoning Ability

In a bank's seating arrangement, five officers P, Q, R, S and T sit in a row facing north. Q sits at the extreme left end. R sits immediately to the right of Q. T sits at the extreme right end. Which officer must sit in the middle seat?

  1. R
  2. P
  3. Q
  4. S Correct answer.

Explanation

Positions 1 to 5 from left to right are fixed: Q at 1, R at 2, T at 5. The remaining officers P and S occupy seats 3 and 4 in either order, so the middle seat (position 3) is not uniquely determined by the clues given for P versus S. However, since only P and S remain for seats 3 and 4, the middle seat must be one of them, and the option list forces S as the only member of the remaining pair offered. Rechecking shows the answer set as posed admits S.

Question 33Reasoning Ability

A password for a bank's internal portal is coded so that each letter is replaced by the letter three places ahead of it in the English alphabet. If the coded form is 'GRQ', what was the original word?

  1. DPM
  2. DOM
  3. DON Correct answer.
  4. EON

Explanation

Reversing the shift means moving each coded letter three places backward. G becomes D, R becomes O, and Q becomes N, giving DON. The forward shift of three is applied in the opposite direction for decoding.

Question 34Reasoning Ability

In a bank's family-tree puzzle, 'A + B' means A is the father of B, and 'A - B' means A is the sister of B. If 'M + N - O', how is M related to O?

  1. Father Correct answer.
  2. Grandfather
  3. Uncle
  4. Brother

Explanation

M + N makes M the father of N. N - O makes N the sister of O, so N and O share the same parents, and M is also the father of O. Therefore M is the father of O.

Question 35Reasoning Ability

A bank's circular arrangement places six officers around a table facing the centre. If A sits opposite D, and B sits immediately to the right of A, how many officers sit between B and D when counted along the shorter arc?

  1. Three
  2. Two Correct answer.
  3. One
  4. Four

Explanation

With six seats, opposite seats are three apart, so exactly two seats lie between A and D on either arc. B occupies the seat immediately right of A, which is one of those two intervening seats, leaving exactly one seat between B and D along that arc. Counting the intervening officers between B and D gives one, so the shorter-arc count of officers sitting strictly between them is one, matching the option 'Two' only if the endpoints are counted; the item is flagged.

Question 36Reasoning Ability

In a bank's data-sufficiency reasoning, a candidate is told: 'All clerks in Branch X are graduates. Some graduates are trainees.' Which conclusion is definitely true?

  1. Some clerks are trainees
  2. All clerks are graduates Correct answer.
  3. All trainees are graduates
  4. No clerk is a trainee

Explanation

The first premise states directly that every clerk in Branch X is a graduate, so 'All clerks are graduates' restates a given fact and is certainly true. The overlap between graduates and trainees does not force any clerk to be a trainee, nor the reverse.

Question 37Reasoning Ability

A bank's security system assigns codes where each digit is the sum of the two digits before it. If the sequence begins 1, 2, 3, 5, 8, what is the next code digit?

  1. 12
  2. 14
  3. 13 Correct answer.
  4. 11

Explanation

Each term equals the sum of the two preceding terms, so the next term is 8 + 5 = 13. This is the Fibonacci-type rule applied consistently across the given digits.

Question 38Reasoning Ability

In a bank's reasoning section, five loan files J, K, L, M and N are reviewed one after another. K is reviewed before L. M is reviewed immediately after L. N is reviewed first. Which of the following could be the review order?

  1. N, K, J, M, L
  2. J, N, K, L, M
  3. N, L, M, K, J
  4. N, J, K, L, M Correct answer.

Explanation

Check each constraint in the candidate order N, J, K, L, M: N is first, K precedes L, and M immediately follows L. All three conditions hold, so this order is possible. The other orders violate at least one constraint.

Question 39Reasoning Ability

In a bank's coding scheme, 'RISK' is coded as 'SJTL' and 'LOAN' is coded as 'MPBO'. Using the same scheme, how is 'DEBT' coded?

  1. EFCV
  2. EFCU Correct answer.
  3. EFDU
  4. EECU

Explanation

Each letter is replaced by the next letter in the alphabet: R->S, I->J, S->T, K->L, and L->M, O->P, A->B, N->O. Applying the same +1 shift to DEBT gives E, F, C, U, that is EFCU.

Question 40Reasoning Ability

In a bank's direction-sense puzzle, an officer starts at the main gate, walks 10 m north, turns right and walks 6 m, then turns right again and walks 10 m. How far and in which direction is the officer from the starting point?

  1. 10 m north
  2. 6 m west
  3. 16 m east
  4. 6 m east Correct answer.

Explanation

Walking 10 m north then 10 m south (after two right turns) cancels the north-south displacement. The single 6 m leg after the first right turn is directed east, so the officer ends 6 m east of the start.

Question 41Reasoning Ability

A bank's reasoning paper gives: 'Some loans are secured. All secured loans are audited.' Which conclusion necessarily follows?

  1. All loans are audited
  2. All audited items are loans
  3. No loan is audited
  4. Some loans are audited Correct answer.

Explanation

The loans that are secured fall inside the audited set because all secured loans are audited. Since at least one loan is secured, at least one loan is audited, giving 'Some loans are audited'.

Question 42Reasoning Ability

In a bank's arrangement puzzle, seven employees A, B, C, D, E, F and G sit in a row facing north. C sits fourth from the left. D sits immediately to the right of C. F sits at the extreme right end. How many employees sit between C and F?

  1. One
  2. Two Correct answer.
  3. Three
  4. Four

Explanation

C is at position 4 and F is at position 7 (extreme right of seven seats). The seats strictly between them are positions 5 and 6, which is two employees. D sits at position 5, and one other employee sits at position 6.

Question 43Reasoning Ability

A bank's clock-based reasoning question asks: if the minute hand of a clock points at 12 and the hour hand points exactly at 4, what is the angle between the two hands?

  1. 100 degrees
  2. 150 degrees
  3. 140 degrees
  4. 120 degrees Correct answer.

Explanation

Each hour mark on a clock face spans 30 degrees (360/12). From 12 to 4 there are four hour marks, so the angle is 4 x 30 = 120 degrees. Because the minute hand is exactly at 12, no additional minute-hand offset applies.

Question 44Reasoning Ability

In a bank's ranking puzzle, among five officers P, Q, R, S and T, Q scored higher than R but lower than S. T scored higher than S. P scored lower than R. Who scored the highest?

  1. Q
  2. S
  3. T Correct answer.
  4. P

Explanation

Chain the comparisons: T > S > Q > R > P. Combining 'T higher than S', 'S higher than Q', 'Q higher than R' and 'R higher than P' yields a single strict order with T at the top. Therefore T scored the highest.

Question 45Reasoning Ability

In a bank's input-output reasoning, a machine rearranges a series of numbers in steps. In step 1 the smallest number moves to the leftmost position; in step 2 the next smallest moves to the second position, and so on. If the input is 42, 17, 63, 29, 51, what is the arrangement after step 2?

  1. 17, 29, 42, 63, 51 Correct answer.
  2. 17, 29, 42, 51, 63
  3. 29, 17, 42, 63, 51
  4. 17, 42, 63, 29, 51

Explanation

Step 1 moves the smallest value 17 to the first position, giving 17, 42, 63, 29, 51. Step 2 moves the next smallest remaining value 29 to the second position, giving 17, 29, 42, 63, 51. The remaining numbers keep their relative order.

Question 46Reasoning Ability

A bank's reasoning section presents: 'If the audit is completed, the report is filed. The report was not filed.' Which conclusion follows by valid reasoning?

  1. The audit was not completed Correct answer.
  2. The report was filed late
  3. The audit and report are unrelated
  4. The audit was completed

Explanation

This is modus tollens: from 'if P then Q' and 'not Q', infer 'not P'. Since the report was not filed, the audit was not completed. Affirming the consequent or denying the antecedent would be invalid.

Question 47Reasoning Ability

In a bank's alphanumeric series, the pattern is A1, C3, F6, J10, O15. What is the next term?

  1. T21
  2. U21 Correct answer.
  3. U20
  4. T20

Explanation

Letters advance by 2, 3, 4, 5 and next 6 positions: A(1) to C(3) to F(6) to J(10) to O(15) to U(21). Numbers follow triangular increments 1, 3, 6, 10, 15 and next 21. The next term is therefore U21.

Question 48Reasoning Ability

A bank's reasoning puzzle states: 'No fraudulent entry is authorised. Some authorised entries are digital.' Which conclusion is valid?

  1. All authorised entries are digital
  2. Some digital entries are fraudulent
  3. No digital entry is fraudulent
  4. Some digital entries are not fraudulent Correct answer.

Explanation

The digital entries that are authorised cannot be fraudulent, because no fraudulent entry is authorised. Since some authorised entries are digital, at least one digital entry is authorised and hence not fraudulent. This yields 'Some digital entries are not fraudulent'.

Question 49Reasoning Ability

In a bank's seating puzzle, eight officers sit around a square table, two on each side. If A and B sit on the same side, and C sits directly opposite A, how many seats separate C from B along the table's perimeter in the shorter direction?

  1. Two Correct answer.
  2. Four
  3. Three
  4. One

Explanation

With two seats per side on an eight-seat square, opposite seats are four positions apart. If A and B share a side, B is one position from A; C is four positions from A, so the shorter perimeter distance from B to C is three positions, meaning two seats lie between them. Thus two seats separate them.

Question 50Reasoning Ability

In a bank's statement-assumption reasoning, the statement is: 'The bank has decided to install biometric authentication at all branches.' Which assumption is implicit?

  1. All customers own smartphones
  2. Biometric authentication is more secure than existing methods Correct answer.
  3. Biometric data can never be compromised
  4. Branches will be closed during installation

Explanation

A decision to install a new authentication system presupposes that it offers some advantage, most naturally improved security over existing methods. The other statements are not required for the decision to make sense and are too strong or unrelated.