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Showing posts with label SBI PO 2018 Special. Show all posts
Showing posts with label SBI PO 2018 Special. Show all posts
April 05, 2019
SBI PO Prelims Solved Paper - Pdf Download
April 02, 2019
SBI PO 2019 Notification out - 2000 Posts
SBI PO 2019 Recruitment Notification Highlights
Name of the Bank : State Bank of India (SBI)
Name of the Posts : Probationary Officers (POs)
Vacancy Details :
- SC - 300 Posts
- ST - 150 Posts
- OBC - 540 Posts
- EWS - 200 Posts
- General - 810 Posts
- Total - 2000 Posts
November 04, 2018
SBI PO 2018 Main Exam Marks out
Check your Marks of SBI PO 2018 Main Exam from HERE
Thanks to Biswaraj Bandhu Bhattacharyaa for the update
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October 31, 2018
SBI PO 2018 Letter to Successful Candidates
Download SBI Letter to Successful Candidates as Probationary Officers 2018 from HERE
Thanks to Biswaraj Bandhu Bhattacharyaa for the update
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October 29, 2018
SBI PO 2018 Final (Group Exercise & Interview) Result out
Check your Final Result of SBI PO 2018 Preliminary Online Exam from here
Thanks to Sujit Kumar Panda and Biswaraj Bandhu Bhattacharyaa for the update
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August 01, 2018
Essays for SBI PO 2018 : The Problem of NPAs in Banking Industry
Essay on The Problem of NPAs in Banking Industry
The loans and advances given to bank's customers on which the customer doesn't pay either interest or part of principal or both are bank's Non-Performing Assets (NPAs). RBI defines NPAs as terms loans on which interest or installment of principal remain overdue for a period of more than 90 days from the end of a particular quarter.
Measurement of NPAs
- Ratio of NPAs (Gross or Net) to Gross Domestic Product (GDP)
- This helps to measure the potential losses in relation to the size of the economy. This is especially useful in cross-country comparisons, given that countries are at different levels of GDP. However, this measure does not indicate whether banks are able to handle the NPAs with their own capital.
- Ratio of NPAs to Total Loans
- This helps to understand the fraction of bank loans that has turned bad. This method suggests that the problem of NPAs can be solved if the banks start giving out more loans as this would subsequently make the NPA ratio smaller.
- This method assumes that there is no weakness in the lending process of bank and this problem arises due to external factors.
SBI PO 2018 : Complaint letter to SHO about Eve Teasing
Write a letter to the SHO of your area pointing out the rising menace of eve teasing in your area.
Note : SHO means Station house officer. SHO is the officer in charge of a police station in India and Pakistan. The SHO holds the rank of Inspector or Sub-inspector. In India, the law permits a station house officer to conduct the investigation of crimes.
New Delhi,
31st August, 2017
The SHO,
Karol Bagh Police Station,
New Delhi.
Subject : Complaint against rising menace of eve teasing.
July 31, 2018
SBI PO (Mains) 2017 Previous Paper - PDF Download
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SBI PO 2018 : letter to Bank Manager about Debit Card
Write a letter to the Bank Manager about issuing a debit card.
New Delhi,
31st July, 2018.
The Manager
State Bank of India,
Karol Bagh Branch,
New Delhi.
Subject : Issuing a debit card
Dear Sir/ Ma'am,
This is to bring to your kind notice that I have a saving accounts in your bank for the last five years.
July 30, 2018
Essays for SBI PO 2018 : Role and Future of Banking Sector in India
Essay : Role and Future of Banking Sector in India
The banking system has played a pivotal role in the economic development of the country. The Indian banking sector comprises of both public and private sector players and is regulated by Reserve Bank of India (RBI).
Role of Banking Sector
- Mobilise Savings Banks encourage people to park their hard earned money with them by providing them rate of interest on the same. These funds are later used for the purpose of investments and development of the country. In a way, it is a win-win situation for both.
- Financial Inclusion Even in today's time, we have a lot many people who are not aware about the schemes launched.by the government. Banks play an important role in financial inclusion by connecting and updating the people with this knowledge. Banking correspondents and representative contribute to the same.
- Provide Short and Long Term Loans Banks are the most reliable source of undertaking loans for the purpose of business, education etc.
- Sectoral Development NABARD is the apex bank for the development in country. It takes care of the specific needs of farmers, small and medium enterprises. Exim bank provides funds for exports and imports. RRBs (Regional Rural Banks) cater to the need of rural areas.
- Technological Revolution Banks have played an important role in ushering the era of technological revolution in the form of digital banking, mobile wallets, electronic transactions (RTGS, NEFT, IMPS etc.)
SBI PO 2018 : Letter to Municipal Corporation about Lack of Basic Infrastructure
Write a letter to the Municipal Corporation complaining about the lack of basic infrastructure such as street lightning in your area.
New Delhi.
30th July , 2018
The Mayor,
Municipal Corporation,
New Delhi.
Subject : Complaint regarding the lack of basic infrastructure.
July 29, 2018
Essays for SBI PO 2018 : Demonetization and it's Impact
Demonetization and it's Impact
Impacts on the Economy
- GDP Indian economy is largely cash driven. This is why the economy slowed down due to the less- availability of cash in cash-incentive sectors such as real estate and manufacturing. The businesses were not able to meet the cash requirements due to the restriction imposed by the government.
- Micro, Small and Medium Enterprises (MSMEs) This sector is one of the major contributors to the Indian economy and employees a large number of daily wage workers. These workers were mostly paid cash which led to unemployment and loss of jobs.
- Agriculture This sector of Indian economy relies heavily on cash. Farmers were facing a lot of problem in selling their produce at mandis.
July 27, 2018
SBI PO 2018 : Letter written by your Foreign Friend to you about a Controversial Issue
Reproduce a letter that your pen friend in New York wrote to you sometime back about the Occupy Wall Street Movement.
67, Pine Walk,
New Jerssy.
10th November, 20xx
Dear friend,
I agree with you that what you are reading about Occupy Wall Street Movement is truth but it is not the whole truth. First, there is no need to entertain alarmist views of the economic slow down affecting America. The protestors are none else but those who are trying to focus attention on increasing inequality generated by croxy capitalism. The alarmist view that the protestors are out to destroy American political and economic system is baseless.
Sample Essays for SBI PO Main Exam 2018 : Right to Privacy & Aadhar
Essay : Right to Privacy & Aadhar
"Man's house is his castle."
Above well-known proverb is now getting legal recognition as Right to Privacy. Human beings have a natural need to autonomy or control over confidential part of their. This need is inherent in human behaviour and now this has been recognised as Fundamental Right to privacy.
Right to Privacy is not explicit in the Constitution of India, so it is a subject of judicial interpretation. The judicial interpretations of Fundamental Right bring it within the purview of Fundamental Right.
Right to Privacy is not explicit in the Constitution of India, so it is a subject of judicial interpretation. The judicial interpretations of Fundamental Right bring it within the purview of Fundamental Right.
Significance of Right to Privacy
Right to privacy demands that a person has the right to be left alone.
Its significance is immense
- for the fuller development of an individual, a citizen must have a private sphere. The narrowness or broadness of this sphere can be different for different societies. It evolves over a period of time.
- certain activities and satisfaction derived out of those activities is inherently individualistic. State has no role to play in that.
July 26, 2018
Letters for SBI PO 2018 : Letter to Bank Manager for Closing the Current Account
Write a letter to the Bank Manager for closing the Current Account of your Organization
26th July 2018
The Manager,
Ashok Vihar Branch,
New Delhi.
Subject : Closure of the current A/C nos. XXXXXXXXXXXXXXX of the organization ABC Pvt. Ltd.
Dear Sir/Ma'am,
This is to bring to your kind notice that our organization, ABC PVT. Ltd has a current account in your bank.The account number is XXXXXXXXXXXXXX. This account is no longer operated by us and there are no dues against this account.
July 25, 2018
Essays for SBI PO Main Exam 2018 : Banking Reforms - Merger of Public Sector Banks
Banking Reforms - Merger of Public Sector Banks
While India claims to have escaped the global financial crisis, Public Sector Banks are in a mess today because they were big lenders to many mega-scamsters and shaky infrastructure projects (telecom, coal, power, realty and SEZ).
Banking industry has seen a number of changes over the last five decades. The major changes been the Nationalisation of the banks in 1969 and 1980, followed by the liberalisation of the economy in 1991, opening up of Banking sector for Private sector in 1993 and the latest one being the emergence of Payment Banks and Small Finance banks in 2015.
Banking industry has seen a number of changes over the last five decades. The major changes been the Nationalisation of the banks in 1969 and 1980, followed by the liberalisation of the economy in 1991, opening up of Banking sector for Private sector in 1993 and the latest one being the emergence of Payment Banks and Small Finance banks in 2015.
Despite the changes witnessed over the years, there still exist a number of challenges which need to be addressed, .one such challenge being the NPA. In the quarter ending December 2015, nearly 11
Public Sector banks reported loss, which even includes big names like, Bank of Baroda, IDBI Bank, Bank of India and Indian Overseas Bank. The Net Non-Performing Assets (NPA), in the banking sector, have crossed Z4.3 lakh crore during the quarter-ended 31st December, 2015.
Case of SBI
- SBI had five associate banks, namely; State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of Patiala, State Bank of Travancore, besides State Bank of Mysore.
- From banking facility point of view, SBI is the more technically advanced compared to its associate banks. It takes 2-3 years to adopt the same technology for the associate banks that SBI is using now.
- Another thing is that it is not going to impact customers. Customers will be getting better facilities or world class facilities.
- Some associate banks which are under staffed will get exponential benefit out of it.
- It will also help in financial inclusion. As now banks would be able to open more branches at the rural places, it will help people to get banking facilities easily as all associate banks will be on the same level and providing the same facilities.
- Merging 27 banks not just SBI and associates into 4-5 big banks will boost the banking sector. May help in reducing the bad loans as well.
- Note : On 15 February 2017, the Union Cabinet approved the merger of five associate banks with SBI.
Advantages of Merger
- It is expected to improve the efficiency and service delivery of Public Sector Banks.
- The sharing of infrastructure will give customers a wider use of the ATM network.
- The charges on cross-bank ATM usage would reduce considerably.
- Customers of smaller banks will get access to wider use of financial instruments like mutual funds and insurance products, as offered by Big Banks.
- Large banks would have a wider capital base enabling them to offer big ticket loans on their own without being part of a consortium.
Disadvantages of Merger
- Smaller banks will tend to lose local characteristics, which customers preferred because of cultural affinity.
- A few large inter-linked banks expose the broader economy to greater financial risks.
- Human resource issues can be difficult to handle; career growth of senior management and other workers could become problematic.
However, the government will set-up an expert panel for the consolidation process and the earlier established Bank Board Bureau will also help in the consolidation process. It is speculated that the merger between the banks will be based on geographical and technological synergies, human resources and business profile, among others.
shared by Nisheeta Mirchandani
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Example Letters for SBI PO 2018 (Mains) Descriptive Test : Letter to News Paper Editor about Child Abuse
Write a letter to the Editor of newspaper talking about child abuse in India and steps to curb the same.
Ashok Vihar,
New Delhi.
25th July , 2018
The Editor,
Times of India,
Bahadur Shah Zafar Marg,
New Delhi.
Subject : Problem of child abuse and steps to curb them.
Dear Sir/ Ma'am,
I would like to express my concern about the growing problem of child abuse in our country. It is disappointing to see the children in our country are being subjected to different forms of abuse such as physical, emotional and sexual. Children aren't safe anywhere and the worst part is that most of the abusers are family, friends or relatives. Children keep quiet out of fear or guilt and this has a detrimental effect on their overall growth. Children who have been abused may turn out to be bullies who get violent very soon.
July 23, 2018
Model Letters for SBI PO 2018 (Mains) Descriptive Test : Letter to Bank Manager about the Stolen ATM Card
Write a letter to the Bank Manager about the stolen ATM Card and getting it blocked
23rd July, 2018
The Manager
State Bank of India,
Karol Bagh Branch,
New Delhi.
Subject : Blocking the stolen ATM Card
Dear Sir / Ma'am,
This is to bring to your kind notice that I have a saving account in your bank for which an ATM card was also issued. The savings account number is XXXXXXXXX.
Yesterday while returning from office, my wallet got stolen and the ATM card was in it. I have launched an FIR for the same and a copy of which has been enclosed with this letter. I request you to kindly block the ATM card at the earliest to prevent any misuse of the same.
July 22, 2018
Essays for SBI PO 2018 (Mains) Descriptive Test : The Problem of NPAs in Banking Industry
The Problem of NPAs in Banking Industry
The loans and advances given to bank's customers on which the customer doesn't pay either interest or part of principal or both are bank's Non-Performing Assets (NPAs).
RBI defines NPAs as terms loans on which interest or installment of principal remain overdue for a period of more than 90 days from the end of a particular quarter.
Measurement of NPAs
- Ratio of NPAs (Gross or Net) to Gross Domestic Product (GDP)
- This helps to measure the potential losses in relation to the size of the economy. This is especially useful in cross-country comparisons, given that countries are at different levels of GDP. However, this measure does not indicate whether banks are able to handle the NPAs with their own capital.
- Ratio of NPAs to Total Loans
- This helps to understand the fraction of bank loans that has turned bad. This method suggests that the problem of NPAs can be solved if the bank start giving ouit more loans as this would subsequently make the NPA ratio smaller.
- This method assumes that there is no weakness in the lending process of bank and this problem arises due to external factors.
General/ Economy/ Banking Awareness Quiz for SBI PO 2018 (Mains) - Set 1
What was the Theme of 4th International Yoga Day (observed on 21st June 2018) ?
- Yoga is Life
- Yoga Forever
- Lets fight Stress
- Yoga for Peace
- Do Yoga, Stay Fit
Which bank has became the first domestic bank of India to open a branch in Yangon (Myanmar) ?
- Central Bank of India
- Punjab National Bank
- State Bank of India
- Bank of Baroda
- Dena Bank
Choose the correct statements regarding BrahMos :
- BrahMos is one of its kind supersonic cruise missile.
- India and Russia have approved an extension to the range of the supersonic cruise missile BrahMos, doubling it to 1600 km.
- It operates on fire and forget principle and is capable of being launched from land, sea, sub-sea and air against sea and land targets.
- Both 1 and 3
- All of the above
