Find the odd one out in relation to using ATM and net-banking facilities.

In the following passage, some of the words have been left out. Read the passage carefully and select the correct answer for the given blank out of the four alternatives.

We also need to work towards a re-engineering of procedures. It __________________ that fear of being scrutinised by the office of the Central Vigilance Commissioner has _________________ loan officers in the public sector into inaction. It is _______________ no use having a publicly-owned banking ___________ that does not extend credit to sound projects on grounds of __________________ scrutiny.

sound projects on grounds of __________________ scrutiny.

In the following passage, some of the words have been left out. Read the passage carefully and select the correct answer for the given blank out of the four alternatives.

We also need to work towards a re-engineering of procedures. It __________________ that fear of being scrutinised by the office of the Central Vigilance Commissioner has _________________ loan officers in the public sector into inaction. It is _______________ no use having a publicly-owned banking ___________ that does not extend credit to sound projects on grounds of __________________ scrutiny.

___________ that does not extend credit

In the following passage, some of the words have been left out. Read the passage carefully and select the correct answer for the given blank out of the four alternatives.

We also need to work towards a re-engineering of procedures. It __________________ that fear of being scrutinised by the office of the Central Vigilance Commissioner has _________________ loan officers in the public sector into inaction. It is _______________ no use having a publicly-owned banking ___________ that does not extend credit to sound projects on grounds of __________________ scrutiny.

It is _______________ no use having a publicly-owned banking 

In the following passage, some of the words have been left out. Read the passage carefully and select the correct answer for the given blank out of the four alternatives.

We also need to work towards a re-engineering of procedures. It __________________ that fear of being scrutinised by the office of the Central Vigilance Commissioner has _________________ loan officers in the public sector into inaction. It is _______________ no use having a publicly-owned banking ___________ that does not extend credit to sound projects on grounds of __________________ scrutiny.

Central Vigilance Commissioner has _________________ loan officers in the public sector into inaction.

In the following passage, some of the words have been left out. Read the passage carefully and select the correct answer for the given blank out of the four alternatives.

We also need to work towards a re-engineering of procedures. It __________________ that fear of being scrutinised by the office of the Central Vigilance Commissioner has _________________ loan officers in the public sector into inaction. It is _______________ no use having a publicly-owned banking ___________ that does not extend credit to sound projects on grounds of __________________ scrutiny.

It __________________ that fear of being scrutinised by the office

Improve the bracketed part of the sentence.

The (needs) of the hour was to reform the entire banking system.

Read the following passage carefully and choose the most appropriate answer to the question out of the four alternatives.

The public sector banks are witnessing in india a period of transition and are at crossroads, where they without giving up social responsibility, should also remain healthy. They need to undertake risky experiments yet perform it innovatively in a way it does not fail. They should make forays into new areas which are rarely tread by them and lose no emerging opportunities. It should be understood that absence of any bad advance is no sign of efficient banking system. It only indicates immense conservatism. However this is no guarantee for profit. There should be a balance between liquidity and risk. Past sins should be forgotten. Novel and pragmatic techniques should be adopted without which banks would be in danger.

What would happen if novel and pragmatic techniques are ignored?