Passage Based Practice Paper on Logical Reasoning for CLAT 2020

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Passage Based Practice Paper on Logical Reasoning for CLAT 2020Read the following passage carefully and answer the questionsOver the past few days alone, China Central Bank has performed extra cash into the financial system and cut interest rates. The aim is to free more cash for banks to lend and provide a boost for banks seeking to improve the return on their asset. The official data, do suggested that bad loans make up only 1.4% of their balance sheets how to explain the discrepancy? One possible answer is that bad loans are tagging indicators, i.e., it is only after the economy has struggled for a while that was begin to suffer.​​ China is trying to anticipate problems, keeping its Bank in good health by sustaining growth of nearly 7% year-on-year full stop another more wearing possibility is that bad loans are worse than official data indicate. This does not look to be a cause for concern of China's biggest bank, which were managed conservatively and largely focus on the country's biggest value and quality borrowers. But there is mounting evidence that when it comes to smaller banks, especially those yet to list in the stock market bad loans are piling up. That is important because unlisted landers accounts for just over a third of the Chinese bank sector making them as big as Japan's entire banking industry.Although non-performing loans have edged up slowly, increase in special mention loan has been much bigger. Special mention loans are about 2 % at most of the china's big listed banks, suggesting that search loans must be much higher at their smaller and unlisted piece many of these loans are simple bad habits which bank have not yet admitted to.​​ Another troubling fact is that a 15 year ago, the government created Asset Management companies to take on the non performing loans of the lenders. After the initial transfer these companies had little to pay but last year, Cinda, the biggest of the bad banks brought nearly 150 billion Yuan of distressed assets last year , two thirds more than in 2018.​​ These assets would have raised the banks bad loans ratio by a few tenth of percentage. Although such members do not seen very alarming, experts would be viewed last years result for 158 banks of which only 20 are listed, found that "Shadow loans" - loans recovered as investments which may be here discuss for bad loans have Grand 2 as much as 5.7 billion Yuan, Or 5% of of the industries assets. They are heavily concentrated on the balance sheet of smaller unlisted banks, and at very least, all this points to a need for recapitalization of small banks. 1.Which of the following is a central idea of the passage?​​ The government should do away with Asset Management companies.small banks should be permitted to become listed on the stock exchange.China Central Bank has failed to predict and stop the decline of its banks.​​ There is trouble Brewing in China small enlisted banks Ans-d the central idea of the passage is that the small and understand banks of China are facing trouble in their sector. They are facing difficulties & unrest problems expected to arise in the future. 2.What does the example of Cinda convey?Many of the loans given by China's banks are in trouble.Many large Chinese Asset Management companies are failing.​​ China is the ideal destination for banks to flourishSuch companies have become obsolete Ans-a. According to the author conveys the message that many of the loans given by China's banks are in trouble. Bad loans have grown up to 5.7 billion Yuan. 3.​​ According to the passage, which of the following can be said about China’s large Bank?Their clients are mainly high value.These are cautiously run.2% of their loans have been classified as overdue but not impaired.All of the above.Ans – d.​​ According to the passage,​​ All​​ the statements are true in the context of China’s large Bank. 4.​​ Choose the word which is most nearly the​​ same​​ in the meaning as the word​​ tagging” given in bold as used in the passage.DelayedTyingBreaking​​ ProtectingAns. B. Tying 5.​​ Which of the following best describes experts findings regarding the shadow loans ?These are growing substantially and indicate the need for reform of small banks.These loans are inconsequential for the health of banks.Shadow loans are unfairly being passed on to the Asset Management companies.None of these.Ans.a​​ In author’s view,​​ Shadow loans are growing substantially and indicate the need for the Reform of small banks in China. Read the given information carefully and answer the questions.Each of the six buildings P, Q, R, S, T and U houses​​ different numbers of offices. S has more offices than only T and R. Q has more number of offices than P but less than that of U. R does not house the least number of offices. The​​ building​​ ​​ which houses the least number of offices has 5 offices. The building which has the second highest number of offices has 23 offices. S has 11 less number of offices than​​ Q.Which of the following buildings has the second least number of offices?QURPWhich of the following may be the number of officers in R?25121114Which of the following building has maximum number of offices?UTQPHow many offices are there in​​ building Q?5112312Which of the following building has least number number of offices?URPTU >​​ Q > P >​​ S > R > T ​​​​ ​​ According to the data given in the question Ans.6​​ – c.​​ Building​​ R​​ has second least number of offices.Ans.7​​ – c. R lies​​ between S and T. Hence the number of offices in R​​ =11 ( 12 > 11> 5)Ans.8 – a. Building​​ U​​ has maximum number of offices.Ans.9​​ –​​ c. Building​​ Q​​ has second highest number of offices. i.e.​​ 23.Ans.10​​ –​​ d. Thus, Building​​ T​​ has least no. Of offices. i.e.​​ 5. RankBuildingNumber of office1stU 2nd​​ Q233rd​​ P 4th​​ S125th​​ R 6th​​ T5 (function( $ ) { //footnotes $('.defaultNote').children(":first").css('cursor', 'pointer'); $('.defaultNote').children(":first").click(function(){ var gotoID = '#' + $(this).parent().attr('id'); $('html, body').animate( { scrollTop: $('a[href="' + gotoID + '"]').offset().top - 60, }, 250, 'linear' ) }); }(jQuery)); var numFormat = ",."; (function( $ ) { "use strict"; //do some cleaning on load var sortCells = $('td[data-sorting], th[data-sorting]'); sortCells.each(function(){ var first = $(this).text().trim().charAt(0); if (first == '@'){ var oldHTML = $(this).html(); var newHTML = oldHTML.replace('@', ''); $(this).html(newHTML); } }); function sortingTable(node, pos, ordBy){ var rows = node.children('tbody').children('tr').get(); rows.sort(function(a, b) { var X = $(a).children('td').eq(pos).text().toUpperCase(); var Y = $(b).children('td').eq(pos).text().toUpperCase(); if (numFormat != '.,'){ //we are dealing with a different locale and we need to do some //transformation in numbers X = convert2number(X); Y = convert2number(Y); } else { X = X.replace(/,/g, '').replace(/ /g, ''); Y = Y.replace(/,/g, '').replace(/ /g, ''); } var currencies = ['$', '¥', '£', '€']; var arrayLength = currencies.length; var XX = X; var YY = Y; for (var i = 0; i < arrayLength; i++) { XX = XX.replace(currencies[i], ''); YY = YY.replace(currencies[i], ''); } if (!isNaN(XX) && !isNaN(YY)){ var floatXX = parseFloat(XX); var floatYY = parseFloat(YY); return -(floatYY-floatXX) * ordBy; } else if (!isNaN(XX) && isNaN(YY)){ return -1 * ordBy; } else if (isNaN(XX) && !isNaN(YY)){ return ordBy; } else { if(X < Y) { return -1 * ordBy; } if(X > Y) { return 1 * ordBy; } return 0; } }); $.each(rows, function(index, row) { node.children('tbody').append(row); }); } function removeTableCellDecoration() { $("td[data-sorting], th[data-sorting]").removeClass('sortDecorator'); } //unbind the click event just in case we are loading more than one document $("td[data-sorting], th[data-sorting]").off('click'); $("td[data-sorting], th[data-sorting]").click(function(){ removeTableCellDecoration(); $(this).addClass('sortDecorator'); //get desired ordering var ordering = $(this).attr('data-sortOrdering'); if (ordering == 'ASC'){ var ordBy = -1; $(this).attr('data-sortOrdering', 'DESC'); } else { var ordBy = 1; $(this).attr('data-sortOrdering', 'ASC'); } var cellPosition = $(this).prevAll().length; var table = $(this).parents('table:first'); sortingTable(table, cellPosition, ordBy); }); function convert2number(str) { str = str.trim(); if (str.match(/^\d+/)) { //we have to take special care when the thousand separators are '.' var result_0 = str.replace(/\./g, '_@_'); var result_1 = result_0.replace(window.numFormat[0], '.'); var result = result_1.replace(/_@_/g, ''); result .replace(/ /g, ''); return result; } else { return str; } } }(jQuery));