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Topics for SBI PO Descriptive Test
 

Topics for SBI PO Descriptive Test

TestFunda ,  11-Jun-14

Descriptive Questions in the SBI PO exam

The SBI PO exam, like other bank exams,also has a section on descriptive questions. These are typically question typesthat you would have studied in school – letter writing, essay writing, passagesetc. However, the major difference is that because this test checks youraptitude for a bank job, there are a lot of real-life banking situations woveninto the topics of the letter and essay.

Letter-Writing– Tips and Common Topics:

These fall into two major categories –professional and personal.

                         I.  Professional

       You may asked to write a letteras a bank employee, branch manager, relationship manager etc.

       While the actual letter neednot be very technical, you need to give specific details in the letter. Theletter needs to be concise and related only to the topic under discussion.

       You should adopt a formal tonein such a letter and avoid slang.

       Based on the recipient of theletter, they are sub-divided into two categories. Some of the common lettertopics are listed below:

A.      Internal Communication

§  To senior management/regional offices/head office 

ü  Invitations

1.      New branch opening

2.      Customer meet

3.      Function/concert for HNIs (highnet worth individuals)

4.      Religious function/ceremony inbranch or branch anniversary, etc.

ü  Infrastructure Requirements

1.      Lease renewal for branch

2.      New lease requirements due tolease expiry or location issues

3.        Cost estimates for newpremises/physical infrastructure (like laptops)/software packages/manpower

4.      Complaints againstinfrastructure requirements not being met

ü  Requests/Exemptions

1.      Permission for leave forreasons like illness/professional training/study leave/marriage/death in thefamily etc

2.      Permission to grantpersonal/auto/home loan despite pending documents or without security

3.      Permission to grant bigger loanto corporate/business client than limits set for him

4.      Permission to initiate accountopening process without KYC documentation in place

§  To junior staff

ü  Complimentary

1.      On meeting sales or audittargets

2.      On getting positive feedbackfrom customers

3.      On new initiatives or process/systemsimprovements

4.      On gettingcertifications/degrees relevant to his/her role

ü  Rebuke/Warning Based

1.        Targets not being met

2.        Negative audit report or auditcomments being received

3.        Negative customer feedback

4.        Disciplinary issues

5.        Inadequate knowledge of products,systems and processes

ü  General Communication

1.      New products/schemes/offers

2.      Staff movements – new joinings,transfers, promotions, etc

3.      Change in office policies

4.      Modifications in bankingguidelines or major banking news

B.      ExternalCommunication 

§  To customers 

ü  Invitations

1.      New branch opening

2.      Customer meet

3.      Function/concert for HNIs(highnet worth individuals)

4.      Religious function/ceremony inbranch or branch anniversary, etc.

ü  New products/schemes/features

1.      Phone and net bankingfacilities

2.      Change in interest rates

3.      New loan products, credit cards

4.      New ATM in locality, etc

ü  Approvals/Rejections

1.      Loans(personal/education/home/auto)

2.      New account

3.      Credit/Debit cards

4.      Enhancement of credit limit onexisting account, etc

ü  Notices/Reminders

1.     Repayment of EMI

2.     Submission of documents

3.     Change in account status(active/dormant), etc 

§  To vendors

ü  Quotations – For physical infrastructure, facilities, etc

ü  Complaints – Equipment malfunctions, service issues, renewal of SLA,etc

                         II.  Personal

       You may asked to write a letterto friends/relatives on various issues

       These are not as frequent inthe exam and are also similar to letters that you have practised in school

       The language can be informaland the letter can be longer than a professional letter

       Some of the common topic areasin this category are:

A.      Advisory

ü  Career options after graduation

ü  Potential jobs in the bank

ü  Career options abroad, etc

B.      Congratulatory

ü  Marriage

ü  Exam or professional success

ü  Birth, etc

C.      Caution/Condolence/Regret

ü  Death/illness/injury/accident

ü  Inability to attend functions like wedding, party, etc

ü  Caution against bad habits, overspending, not studying forprofessional exams, etc

 

Essay-Writing – Tips and Common Topics:

     Essays in bank exams generallylook at a macro picture in terms of banking and the economy

     You should try and be well-readon areas related to banking like Microfinance, SMEs and MMEs, financialproducts like Insurance and Mutual Funds, retail and corporate banking, etc.

     Some sample topics that you canpractise are given below. Note that these are purely indicative of the kind ofessays that you can expect:

ü  Future of retail/corporate banking in India.

ü  Linkages between banks and other financial products like insurance/mutualfunds.

ü  Impact of plastic money – ATMS, credit cards and debit cards

ü  Woman's Bank and its overview

ü  Rural banking, microfinance and its importance.

ü  Modern Banking – e-banking and mobile banking

ü  Banking products like education and home loans

ü  Role of banks in inclusive growth and financial inclusion.

ü  Banking politics

ü  Money laundering and linkage to terrorism

ü  Banking and Currency Fluctuations

ü  Banks and Markets – stocks, derivatives etc

ü  Women safety in India.

ü  Politics – blessing or curse.

ü  Rise of India’s Economy.

ü  Role of sales, customer service and marketing in banking.

ü  Role of banks in various industries.

 

Note that all the topics given for letters and essays are purely indicative and should practise more topics to do well in the exam.

 

All theBest!

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