Alternatively, you can register/login faster using
Register Free!
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 types that you would have studied in school – letter writing, essay writing, passages etc. However, the major difference is that because this test checks your aptitude for a bank job, there are a lot of real-life banking situations woven into 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 letter as a bank employee, branch manager, relationship manager etc.

        While the actual letter need not be very technical, you need to give specific details in the letter. The letter needs to be concise and related only to the topic under discussion.

        You should adopt a formal tone in such a letter and avoid slang.

        Based on the recipient of the letter, they are sub-divided into two categories. Some of the common letter topics 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 (high net worth individuals)

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

ü  Infrastructure Requirements

1.       Lease renewal for branch

2.       New lease requirements due to lease expiry or location issues

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

4.       Complaints against infrastructure requirements not being met

ü  Requests/Exemptions

1.       Permission for leave for reasons like illness/professional training/study leave/marriage/death in the family etc

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

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

4.       Permission to initiate account opening process without KYC documentation in place

§  To junior staff

ü  Complimentary

1.       On meeting sales or audit targets

2.       On getting positive feedback from customers

3.       On new initiatives or process/systems improvements

4.       On getting certifications/degrees relevant to his/her role

ü  Rebuke/Warning Based

1.         Targets not being met

2.         Negative audit report or audit comments 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 banking guidelines or major banking news

B.      External Communication 

§  To customers 

ü  Invitations

1.       New branch opening

2.       Customer meet

3.       Function/concert for HNIs(high net worth individuals)

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

ü  New products/schemes/features

1.       Phone and net banking facilities

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 on existing 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 letter to friends/relatives on various issues

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

        The language can be informal and the letter can be longer than a professional letter

        Some of the common topic areas in 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 for professional exams, etc


Essay-Writing – Tips and Common Topics:

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

      You should try and be well-read on areas related to banking like Microfinance, SMEs and MMEs, financial products like Insurance and Mutual Funds, retail and corporate banking, etc.

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

ü  Future of retail/corporate banking in India.

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

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 the Best!

Other resources by TestFunda
Related Resources on this topic
Report Abuse

©2008-2019 All rights reserved