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1.  

Directions (Q 39–43): Choose the word that best fits each numbered blank in the passage.

Banking rests on a promise that is rarely spoken aloud: money deposited today will be returned on (39) ________. This promise is not (40) ________ by the cash in the vault alone, for a bank lends out much of what it receives.

It is backed by (41) ________ – the belief of depositors that their money is safe. When that belief is shaken, even a sound bank can face a rush of withdrawals that it cannot (42) ________ at once. Regulation, deposit insurance and honest disclosure are therefore not burdens on banking but its (43) ________.

Blank (39)

Correct Answer: A [demand]

Explanation:

“demand” – ‘on demand’ is the fixed banking phrase for repayment whenever asked.

2.  
(Use the directions above – Speed Drills and Mixed Sets, Q 39–43)
Blank (40)

Correct Answer: D [backed]

Explanation:

“backed” – passive ‘is not backed by’ needs the past participle.

3.  
(Use the directions above – Speed Drills and Mixed Sets, Q 39–43)
Blank (41)

Correct Answer: C [confidence]

Explanation:

“confidence” – the next phrase defines it – ‘the belief of depositors that their money is safe’.

4.  
(Use the directions above – Speed Drills and Mixed Sets, Q 39–43)
Blank (42)

Correct Answer: E [honour]

Explanation:

“honour” – cannot + base verb; honour (a claim) = pay it.

5.  
(Use the directions above – Speed Drills and Mixed Sets, Q 39–43)
Blank (43)

Correct Answer: B [foundations]

Explanation:

“foundations” – the contrast ‘not burdens … but’ needs a positive word: the base that supports banking.

6.  
The report was so ________ that even readers with no training in finance could ________ its main argument.

Correct Answer: E [lucid, grasp]

Explanation:

so … that even untrained readers could understand → lucid (clear); could + base verb meaning ‘understand’ → grasp.

7.  
Far from ________ the problem, the hasty decision only ________ it.

Correct Answer: C [solving, worsened]

Explanation:

far from + -ing → solving; the contrast ‘only … it’ in the past → worsened.

8.  
Not only the bank reduced (A) / its lending rates, (B) / but it also waived (C) / the processing fee. (D)

Correct Answer: A [(A)]

Explanation:

Part (A): Not only the bank reduced → Not only did the bank reduce.

9.  
The new rules (A) / will come into force (B) / after the notification (C) / will be published. (D)

Correct Answer: D [(D)]

Explanation:

Part (D): will be published → is published.

10.  
He is one of those (A) / officers who has (B) / never missed (C) / a single deadline. (D)

Correct Answer: B [(B)]

Explanation:

Part (B): has → have. Rule: ‘one of those + plural noun + who’ – who refers to the plural noun, so the verb is plural.

11.  
Combine the sentences, beginning with No sooner: “The audit began. Two discrepancies were found.”

Correct Answer: D [No sooner had the audit begun than two discrepancies were found.]

Explanation:

Partner of ‘no sooner’ is ‘than’: No sooner + had + subject + V3 (begun) … than (CJ3, TR7).

12.  
In which sentence is the word elicit used CORRECTLY?

Correct Answer: A [The survey elicited a wide range of responses from customers.]

Explanation:

elicit = draw out (a reply); ‘illicit’ (illegal) is needed for liquor and trade; ‘elicit’ cannot mean leave or decide.

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