bank essay writing

• Essay On Bank

Essay on Bank

500+ words essay on bank.

Banks are an integral part of the modern economy. They play a major role in the economic growth and development of a country. The idea of banking evolved with the idea of money. In India, public sector banks (PSBs) have been working to provide banking services in urban and rural areas since 1970. These public sector banks account for nearly 70% of banking activity in India. With the help of this essay on banks, students will get to know the functions performed by banks and their importance for individuals and the country. To help students in improving their essay-writing skills, we have also compiled a list of CBSE Essays on different topics. By practising these essays, they can boost their writing skills and also score good marks on the English exam.

Meaning of Bank

Banks are mainly linked to depositing and lending money. In Indian society, moneylenders used to give money to people in ancient times. They charged a high rate of interest to people as there were no banks or banking systems available at that time. But, with the change in time, the banking system was introduced in India. Now, we have public sector banks and private banks.

A bank is a financial institution that deals with deposits, withdrawals and other related banking services. Bank receives money from those who want to save in the form of deposits, and it lends money to those who need it. A bank is a financial institution that works as an intermediary to accept deposits and channels those deposits into various lending activities. It does so through loans or capital markets. A bank establishes the connection between the customers who have capital surpluses and those with capital deficits. In India, all banks operate under the guidelines of the Reserve Bank of India, which is known as the banker’s bank.

Functions of Bank

Banking is the lifeline of the modern economy. It has played a very important role in the economic development of all the nations of the world. We can not think of modern commerce without banking. Banking is a business which seeks profits like any other business. The banking business mainly constitutes borrowing and lending as their basic functions. Now, banks are providing many other services to people, such as net banking, online shopping, mobile banking, granting loans and advances, short-term credit, pension payments, acting as a dealer in foreign currency etc. A common person can safely deposit their money in the banks.

How Important are Banks for Development?

Banks are the most important financial pillars. They play a vital role in the economic development of a country. The financing requirements of industries, trades, agriculture and other business are met with the help of banks. Therefore, if the banking system of a country becomes strong, then the development of the country will also be at a faster rate. In today’s economy, banks are not only dealing with money, but they are also contributing to the development of the nation. They play a crucial role in the disbursement of credit and the mobilisation of deposits to various sectors of the economy. Banks also represent the economic health of the country. The strength of a nation’s economy depends on the strength of the financial system, which depends on the banking system.

In India, banks play a crucial role in the social and economic growth of the country after independence. The banking sector in India accounts for more than half the assets of the financial sector. The Indian banks have shown much growth after the implementation of financial sector reforms.

Banks are the backbone of any country’s economy. They are responsible for running the economy and controlling the price of the markets. They perform various important functions. However, there are default NPAs, cases of corruption and security threat-related issues, but these can be resolved by implementing strict laws and rules by the government.

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• 40 Useful Words and Phrases for Top-Notch Essays

To be truly brilliant, an essay needs to utilise the right language. You could make a great point, but if it’s not intelligently articulated, you almost needn’t have bothered.

Developing the language skills to build an argument and to write persuasively is crucial if you’re to write outstanding essays every time. In this article, we’re going to equip you with the words and phrases you need to write a top-notch essay, along with examples of how to utilise them.

It’s by no means an exhaustive list, and there will often be other ways of using the words and phrases we describe that we won’t have room to include, but there should be more than enough below to help you make an instant improvement to your essay-writing skills.

If you’re interested in developing your language and persuasive skills, Oxford Royale offers summer courses at its Oxford Summer School , Cambridge Summer School , London Summer School , San Francisco Summer School and Yale Summer School . You can study courses to learn english , prepare for careers in law , medicine , business , engineering and leadership.

General explaining

Let’s start by looking at language for general explanations of complex points.

1. In order to

Usage: “In order to” can be used to introduce an explanation for the purpose of an argument. Example: “In order to understand X, we need first to understand Y.”

2. In other words

Usage: Use “in other words” when you want to express something in a different way (more simply), to make it easier to understand, or to emphasise or expand on a point. Example: “Frogs are amphibians. In other words, they live on the land and in the water.”

3. To put it another way

Usage: This phrase is another way of saying “in other words”, and can be used in particularly complex points, when you feel that an alternative way of wording a problem may help the reader achieve a better understanding of its significance. Example: “Plants rely on photosynthesis. To put it another way, they will die without the sun.”

4. That is to say

Usage: “That is” and “that is to say” can be used to add further detail to your explanation, or to be more precise. Example: “Whales are mammals. That is to say, they must breathe air.”

5. To that end

Usage: Use “to that end” or “to this end” in a similar way to “in order to” or “so”. Example: “Zoologists have long sought to understand how animals communicate with each other. To that end, a new study has been launched that looks at elephant sounds and their possible meanings.”

Adding additional information to support a point

Students often make the mistake of using synonyms of “and” each time they want to add further information in support of a point they’re making, or to build an argument . Here are some cleverer ways of doing this.

6. Moreover

Usage: Employ “moreover” at the start of a sentence to add extra information in support of a point you’re making. Example: “Moreover, the results of a recent piece of research provide compelling evidence in support of…”

7. Furthermore

Usage:This is also generally used at the start of a sentence, to add extra information. Example: “Furthermore, there is evidence to suggest that…”

8. What’s more

Usage: This is used in the same way as “moreover” and “furthermore”. Example: “What’s more, this isn’t the only evidence that supports this hypothesis.”

9. Likewise

Usage: Use “likewise” when you want to talk about something that agrees with what you’ve just mentioned. Example: “Scholar A believes X. Likewise, Scholar B argues compellingly in favour of this point of view.”

10. Similarly

Usage: Use “similarly” in the same way as “likewise”. Example: “Audiences at the time reacted with shock to Beethoven’s new work, because it was very different to what they were used to. Similarly, we have a tendency to react with surprise to the unfamiliar.”

11. Another key thing to remember

Usage: Use the phrase “another key point to remember” or “another key fact to remember” to introduce additional facts without using the word “also”. Example: “As a Romantic, Blake was a proponent of a closer relationship between humans and nature. Another key point to remember is that Blake was writing during the Industrial Revolution, which had a major impact on the world around him.”

12. As well as

Usage: Use “as well as” instead of “also” or “and”. Example: “Scholar A argued that this was due to X, as well as Y.”

13. Not only… but also

Usage: This wording is used to add an extra piece of information, often something that’s in some way more surprising or unexpected than the first piece of information. Example: “Not only did Edmund Hillary have the honour of being the first to reach the summit of Everest, but he was also appointed Knight Commander of the Order of the British Empire.”

14. Coupled with

Usage: Used when considering two or more arguments at a time. Example: “Coupled with the literary evidence, the statistics paint a compelling view of…”

15. Firstly, secondly, thirdly…

Usage: This can be used to structure an argument, presenting facts clearly one after the other. Example: “There are many points in support of this view. Firstly, X. Secondly, Y. And thirdly, Z.

16. Not to mention/to say nothing of

Usage: “Not to mention” and “to say nothing of” can be used to add extra information with a bit of emphasis. Example: “The war caused unprecedented suffering to millions of people, not to mention its impact on the country’s economy.”

Words and phrases for demonstrating contrast

When you’re developing an argument, you will often need to present contrasting or opposing opinions or evidence – “it could show this, but it could also show this”, or “X says this, but Y disagrees”. This section covers words you can use instead of the “but” in these examples, to make your writing sound more intelligent and interesting.

17. However

Usage: Use “however” to introduce a point that disagrees with what you’ve just said. Example: “Scholar A thinks this. However, Scholar B reached a different conclusion.”

18. On the other hand

Usage: Usage of this phrase includes introducing a contrasting interpretation of the same piece of evidence, a different piece of evidence that suggests something else, or an opposing opinion. Example: “The historical evidence appears to suggest a clear-cut situation. On the other hand, the archaeological evidence presents a somewhat less straightforward picture of what happened that day.”

19. Having said that

Usage: Used in a similar manner to “on the other hand” or “but”. Example: “The historians are unanimous in telling us X, an agreement that suggests that this version of events must be an accurate account. Having said that, the archaeology tells a different story.”

20. By contrast/in comparison

Usage: Use “by contrast” or “in comparison” when you’re comparing and contrasting pieces of evidence. Example: “Scholar A’s opinion, then, is based on insufficient evidence. By contrast, Scholar B’s opinion seems more plausible.”

21. Then again

Usage: Use this to cast doubt on an assertion. Example: “Writer A asserts that this was the reason for what happened. Then again, it’s possible that he was being paid to say this.”

22. That said

Usage: This is used in the same way as “then again”. Example: “The evidence ostensibly appears to point to this conclusion. That said, much of the evidence is unreliable at best.”

Usage: Use this when you want to introduce a contrasting idea. Example: “Much of scholarship has focused on this evidence. Yet not everyone agrees that this is the most important aspect of the situation.”

Adding a proviso or acknowledging reservations

Sometimes, you may need to acknowledge a shortfalling in a piece of evidence, or add a proviso. Here are some ways of doing so.

24. Despite this

Usage: Use “despite this” or “in spite of this” when you want to outline a point that stands regardless of a shortfalling in the evidence. Example: “The sample size was small, but the results were important despite this.”

25. With this in mind

Usage: Use this when you want your reader to consider a point in the knowledge of something else. Example: “We’ve seen that the methods used in the 19th century study did not always live up to the rigorous standards expected in scientific research today, which makes it difficult to draw definite conclusions. With this in mind, let’s look at a more recent study to see how the results compare.”

26. Provided that

Usage: This means “on condition that”. You can also say “providing that” or just “providing” to mean the same thing. Example: “We may use this as evidence to support our argument, provided that we bear in mind the limitations of the methods used to obtain it.”

27. In view of/in light of

Usage: These phrases are used when something has shed light on something else. Example: “In light of the evidence from the 2013 study, we have a better understanding of…”

28. Nonetheless

Usage: This is similar to “despite this”. Example: “The study had its limitations, but it was nonetheless groundbreaking for its day.”

29. Nevertheless

Usage: This is the same as “nonetheless”. Example: “The study was flawed, but it was important nevertheless.”

30. Notwithstanding

Usage: This is another way of saying “nonetheless”. Example: “Notwithstanding the limitations of the methodology used, it was an important study in the development of how we view the workings of the human mind.”

Giving examples

Good essays always back up points with examples, but it’s going to get boring if you use the expression “for example” every time. Here are a couple of other ways of saying the same thing.

31. For instance

Example: “Some birds migrate to avoid harsher winter climates. Swallows, for instance, leave the UK in early winter and fly south…”

32. To give an illustration

Example: “To give an illustration of what I mean, let’s look at the case of…”

Signifying importance

When you want to demonstrate that a point is particularly important, there are several ways of highlighting it as such.

33. Significantly

Usage: Used to introduce a point that is loaded with meaning that might not be immediately apparent. Example: “Significantly, Tacitus omits to tell us the kind of gossip prevalent in Suetonius’ accounts of the same period.”

34. Notably

Usage: This can be used to mean “significantly” (as above), and it can also be used interchangeably with “in particular” (the example below demonstrates the first of these ways of using it). Example: “Actual figures are notably absent from Scholar A’s analysis.”

35. Importantly

Usage: Use “importantly” interchangeably with “significantly”. Example: “Importantly, Scholar A was being employed by X when he wrote this work, and was presumably therefore under pressure to portray the situation more favourably than he perhaps might otherwise have done.”

Summarising

You’ve almost made it to the end of the essay, but your work isn’t over yet. You need to end by wrapping up everything you’ve talked about, showing that you’ve considered the arguments on both sides and reached the most likely conclusion. Here are some words and phrases to help you.

36. In conclusion

Usage: Typically used to introduce the concluding paragraph or sentence of an essay, summarising what you’ve discussed in a broad overview. Example: “In conclusion, the evidence points almost exclusively to Argument A.”

37. Above all

Usage: Used to signify what you believe to be the most significant point, and the main takeaway from the essay. Example: “Above all, it seems pertinent to remember that…”

38. Persuasive

Usage: This is a useful word to use when summarising which argument you find most convincing. Example: “Scholar A’s point – that Constanze Mozart was motivated by financial gain – seems to me to be the most persuasive argument for her actions following Mozart’s death.”

39. Compelling

Usage: Use in the same way as “persuasive” above. Example: “The most compelling argument is presented by Scholar A.”

40. All things considered

Usage: This means “taking everything into account”. Example: “All things considered, it seems reasonable to assume that…”

How many of these words and phrases will you get into your next essay? And are any of your favourite essay terms missing from our list? Let us know in the comments below, or get in touch here to find out more about courses that can help you with your essays.

At Oxford Royale Academy, we offer a number of  summer school courses for young people who are keen to improve their essay writing skills. Click here to apply for one of our courses today, including law , business , medicine  and engineering .

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Essay on Bank

Banks are financial institutions that deal in monetary transactions. Banks form an integral part of any society. There are numerous banks located in different parts of our country. While earlier there were limited number of banks with a few branches in big cities and towns in India, a number of new banks have opened in the last few decades with branches in every nook and corner of the country. Banks provide a lot of services based on the customer’s requirements. They provide locker facilities, safe deposits, ATM Services, Fixed Deposits, money transfer, loan for business and houses and several other monetary services to their customers.

Long and Short Essay on Bank in English

Here are essay on Bank in English of varied lengths to help you with the topic whenever you required.

After going through these Bank essay, your knowledge about banks, their functioning and their usefulness will enhance and you will emerge as a knowledgeable person.

These essays will prove useful in your school or college assignments, especially for students of commerce or banking.

You can select any bank essay of your choice given below:

Bank Essay 1 (200 words)

The banking system that involves accepting deposits and lending money initiated centuries back in various parts of the world. The system improvised over the time and the banks these days offer various other facilities in addition to the basic depositing and lending of money.

People are encouraged to keep their money in the banks because it is a safe and secure way to store the money. The money stored in the bank in the form of fixed deposits and recurring deposits also fetches a good amount of interest. In addition to money, one can also keep jewellery and important papers in the bank lockers.

Providing loans, which is another primary function of the banks, is also beneficial for individuals and businesses in many ways. Salaried people can build their assets such as property, car, etc easily with the help of loans from the bank. Businessmen can expand their businesses with this facility. A number of other services are also provided to the businessmen to ease their financial transactions and aid in the growth of their business.

Online Banking has further enhanced the process of banking. Various banking services such as checking balance, transferring amount, applying for loan are now provided on the bank’s website. All the customers require doing is opting for internet banking service.

Bank Essay 2 (300 words)

Introduction

Banking system has been in place since centuries. The system has been prevalent in India as well as other parts of the world. Only the services provided and the functions carried out have enhanced over the time.

History of Banks

Banking service began back in the 14 th century in some parts of Renaissance Italy. It was initiated on the lines of the concept of lending and borrowing that took place among people since the ancient era. In the ancient times, the merchants gave grain loans to the traders and farmers. This was called the barter system. Over the time the system evolved to accepting deposits and lending money.

The Fuggers, the Medicis, the Berenbergs, the Rothschilds are among some of the banking dynasties that are known to play a central role in the history of banking. They dominated this sector for centuries. Modern banking services such as issuance of banknotes and reserve banking started in the 17 th century. Bank of England and The Royal Bank of Scotland are some of the oldest banks in the world.

History of Banks in India

In India, the banking system dates back to the Vedic civilization. Loans were given to the needy in that era too only the nitty-gritty’s involved in the same were different. Loans deeds in that period were known by the name rnalekhya or rnapatra.

Big businessmen and landlords gave money to the small traders and farmers on interest in the earlier times. This culture is still prevalent in some villages in the country. The lands or other valuable assets of those who were unable to pay the amount were confiscated just as the banks do these days.

The first bank established in India was the Bank of Hindustan. It was opened in the year 1770 in Calcutta. Bank of Bombay, Bank of Calcutta and Bank of Madras were set up later in the early 19 th century.

There are numerous types of banks in every country to cater to the needs of different customers. They provide various services and aid in the growth of the country’s economy.

Bank Essay 3 (400 words)

A bank is an institution that accepts money deposits from the public and provides funds on credit to individuals as well as firms. These are the primary functions of a bank but not the only functions. They provide various other services to its customers such as locker facility, transfer of funds, issuance of drafts and portfolio management to name a few.

Importance of Banks

Banks are important for the individuals as well as the development of the country’s economy. Here is why these institutions are of importance:

• Provides Safety and Security

Money kept at home is not safe. It is prone to burglary. When you keep your money in the bank, it is the bank’s responsibility to safeguard it. You do not have to worry about its security.

• Encourages Saving Habits

Banks offer various schemes from time to time to encourage saving habits in people. The money put in the bank is not only saved but also grows. You have the option of withdrawing it any time you want.

• Eases Trade and Commerce

Banks promote trade within the country by providing loans and advances to the traders. It also eases the process of trading between different countries. They provide easy money transaction options to smoothen the process. It is easy to send and receive funds from anywhere with the advancement in the banking system.

• Promotes Agricultural Sector

Agricultural sector is an important part of the economy. There are special banks that provide loans to the farmers at low interest to promote agricultural activities. Banks thus aid in promoting the agricultural sector.

• Aids in Development of Industries

Banks accept deposits from individuals and businesses and provide loads to the industries. They thus aid in the development of various industries in this way. The loan can be repaid in easy instalments.

• Provides Employment Opportunities

Banks provide loans for the growth and development of the agricultural and industrial sectors. As these sectors expand, a number of employment opportunities are created for the public.

Banks are an important part of any country. The modern banking services have helped in easing the process of trade, development of industries and other activities that help in the development of the country’s economy. Banks and other financial institutions that promote the growth of businesses and safeguard the money and other valuable assets of individuals are certainly play an integral role in the development of a country’s economy.

Bank Essay 4 (500 words)

Banks play an important role in maintaining financial stability in the country. They offer numerous services to help you manage your finances better. These institutions thus form a vital part of any society.

Functions of Banks

The functions of banks have broadly been classified into two categories. These are the primary functions and the secondary functions. Here is a look at these in detail:

Primary Functions

Primary functions are the main functions of the banks. These include accepting deposits and providing loans. Here is a brief look at these functions:

• Accepting Deposits

These deposits are basically of four different types:

Saving Deposits: These deposits encourage public to save money. The money can easily be withdrawn and deposited in the saving account without much restriction. The interest rate here is however quite low.

Current Deposits: This account is especially for the businessmen. These accounts offer facilities such as overdraft that are beneficial for the businesses. No interest is paid in this account.

Fixed Deposits: In a fixed deposit a considerable big amount is deposited in the account for a fixed period of time. The rate of interest is high in such deposits.

Recurring Deposits: A certain amount is deposited at regular intervals in such an account. The rate of interest is high. However, the amount cannot be withdrawn before a certain period.

• Providing Loans

Here are the types of loans and advances offered by the banks:

Loans: Loans are offered for both short term and long term period. The rate of interest charged on the same varies based on the type and duration of loan. It can be repaid in instalments.

Cash Credits: The customers have the facility to take cash credit up to a certain amount which is fixed in advanced. A separate cash credit account needs to be maintained for this.

Overdraft: This facility is for businessmen. It is thus provided to the current account holders. They do not require maintaining a separate account to avail this facility.

Secondary Functions

Secondary functions, also known as non-banking functions, are of two types. These are agency functions and general utility functions. Here is a brief look at both these types of functions:

• Agency Functions

The bank also acts as an agent for its customers. A number of agency functions are performed by this institution. These include collection of cheques, periodic payments, portfolio management, periodic collections and transfer of funds. Banks also act as executors, administrators, advisors and trustees for their customers. They help their customers deal with other institutions.

• General Utility Functions

Banks also perform general utility functions that include providing locker facility, underwriting of shares, dealing in foreign exchange, issuance of drafts and letter of credits, drafting project reports, undertaking social welfare programmes such as public welfare campaigns and adult literacy programmes.

Discounting of bill of exchange is another service provided under this.

While initially the functions of banks only included accepting deposits and providing loans; they have started providing various other services now. All these facilities are aimed at helping the customers with their finances.

Bank Essay 5 (600 words)

Banks are financial institutions that lend money and accept deposits from general public. Banks maintain the flow of money in the country and are important for its economic growth. There are different types of banks that offer different kinds of services to individuals as well as businesses.

Types of Banks

Here are the various types of banks and their functions:

• National Banks

Also known by the name, Central or Federal bank, these banks manage the financial system of the government. These non-profit making institutes serve as bankers to the other banks. There is one Central bank in every country. Some of the functions of National banks include supervising foreign exchange, controlling the country’s currency and issuance of paper currency. They do not deal with the general public.

• Retail Banks

These are the most common types of banks. These are mainly set up to focus on the requirements of the general public. They open your savings account, provide credit cards, give loans and provide locker facility among other services.

• Saving Banks

These are especially established to inculcate the habit of saving money among the people. The deposits from the customers are turned into securities and bonds in these banks. These were set up way back in the 18 th century in European countries. Besides, accepting deposits from individuals these banks offer various other services too.

• Commercial Banks

The main aim of these banks is to aid the business class. They provide loans to the businessmen and also provide other services that are useful for the business men. Some of these services include bill of exchange, overdraft and cheque collection.

• Investment Banks

These banks are also set up to aid the businesses. These banks help the businessmen establish a foothold in the financial markets. Investment banks facilitate those businessmen who require selling debt to the investors or want to go public with their business.

• Land Mortgage Banks

Also known as agricultural banks or Land Development banks, these are mainly set up to aid the agricultural sector by financing it. These banks also play an important part in land development. The reason why this special category of banks has come into being is that there is a lot of risk in financing the agricultural sector and the commercial banks that support other businesses are not ready to take such risk.

• Co-operative Banks

Co-operative banks provide loans to small-scale farmers, small-scale businesses and salaried people. They provide both commercial and retail services to people. These banks are registered under Co-operative Societies Act, 1912.

• Consumer Banks

These banks have exclusively been set up to provide loan for purchasing durable consumer goods such as car, washing machine, refrigerator, furniture, etc. These banks give their consumers the leverage to repay loans in easy instalments. These are mostly found in first world countries.

• Industrial Banks

Also known by the name Development Banks, these banks are established to aid the industrial sector. These banks accept cash by issuing shares and debentures. They provide long-term loan to the industries to help them expand and develop. Many such banks have been established in the country post independence.

• Exchange Banks

These banks are particularly engaged in financing foreign trade. Some of the main functions of these banks include discounting foreign bills, purchasing and selling silver and gold and providing assistance in carrying out export and import trade.

Banks are established to ease the financial issues of the general public as well as the country as a whole. Different types of banks serve different purposes and have been set up to cater to the needs of various classes.

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Academic Phrasebank

Introducing work.

• GENERAL LANGUAGE FUNCTIONS
• Being cautious
• Being critical
• Classifying and listing
• Compare and contrast
• Defining terms
• Describing trends
• Describing quantities
• Explaining causality
• Giving examples
• Signalling transition
• Writing about the past

There are many ways to introduce an academic essay or short paper. Most academic writers, however, appear to do one or more of the following in their introductions:

• establish the context, background and/or importance of the topic
• present an issue, problem, or controversy in the field of study
• define the topic and/or key terms used in the paper
• state the purpose of the essay or short paper
• provide an overview of the coverage and/or structure of the writing

Slightly less complex introductions may simply inform the reader: what the topic is, why it is important, and how the writing is organised. In very short assignments, it is not uncommon for a writer to commence simply by stating the purpose of their writing.

Introductions to research dissertations and theses tend to be relatively short compared to the other sections of the text but quite complex in terms of their functional elements. Some of the more common elements include:

• establishing the context, background and/or importance of the topic
• giving a brief review of the relevant academic literature
• identifying a problem, controversy or a knowledge gap in the field of study
• stating the aim(s) of the research and the research questions or hypotheses
• providing a synopsis of the research design and method(s)
• explaining the significance or value of the study
• defining certain key terms
• providing an overview of the dissertation or report structure

Examples of phrases which are commonly employed to realise these functions can be seen by clicking on the headings listed below. Note that there may be a certain amount of overlap between some of the categories under which the phrases are listed. Also, the order in which the different categories of phrases are shown reflects a typical order but this is far from fixed or rigid, and not all the elements are present in all introductions.

A number of analysts have identified common patterns in the introductions of research articles. One of the best known patterns is the CARS model (create a research space) first described by John Swales (1990). This model, which utilises an ecological metaphor, has, in its simplest form, three elements or moves:

• Establishing the territory (establishing importance of the topic, reviewing previous work)
• Identifying a niche (indicating a gap in knowledge)
• Occupying the niche (listing purpose of new research, listing questions, stating the value of the work, indicating the structure of the writing)

Establishing the importance of the topic for the world or society

X is a major contributor to … X plays a critical role in the maintenance of … Xs have emerged as powerful platforms for … X is essential for a wide range of technologies. X can play an important role in addressing the issue of … There is evidence that X plays a pivotal role in regulating … In the new global economy, X has become a central issue for … Evidence suggests that X is among the most important factors for … Xs are one of the most widely used groups of antibacterial agents and … There is a growing body of literature that recognises the importance of … X is an important component in the climate system, and plays a key role in Y. Xs are one of the most widely used groups of Y and have been extensively used for …

Establishing the importance of the topic for the discipline

X is of interest because … X is a classic problem in … X is an important aspect of … X is a fundamental property of … X is an increasingly important area in … The concepts of X and Y are central to … X is at the heart of our understanding of … Investigating X is a continuing concern within … X is a major area of interest within the field of … X has been an object of research since the 1960s. X has been the subject of many classic studies in … X has been instrumental in our understanding of … The theory of X provides a useful account of how … Central to the entire discipline of X is the concept of … The issue of X has received considerable critical attention. X has long been a question of great interest in a wide range of fields.

Establishing the importance of the topic (time frame given)

Recently, there has been renewed interest in … Traditionally, Xs have subscribed to the belief that … One of the most important events of the 1970s was … In recent years, there has been an increasing interest in … Recent developments in X have heightened the need for … The last two decades have seen a growing trend towards … Recently, researchers have shown an increased interest in … Recent trends in X have led to a proliferation of studies that … Over the past century, there has been a dramatic increase in … The past decade has seen the rapid development of X in many … Since it was reported in 2015, X has been attracting considerable interest. Recent developments in the field of X have led to a renewed interest in … The past thirty years have seen increasingly rapid advances in the field of …

Establishing the importance of the topic as a problem to be addressed

X is a major problem in … Of particular concern is … One of the main obstacles … One of the greatest challenges … A key issue is the safe disposal of … The main disadvantage of X is that … X impacts negatively upon a range of … It is now well established that X can impair … X has led to the decline in the population of … The main challenge faced by many researchers is the … Lack of X has existed as a health problem for many years. Xs are one of the most rapidly declining groups of insects in … Exposure to X has been shown to be related to adverse effects in … There is an urgent need to address the safety problems caused by …

Referring to previous work to establish what is already known

Recent evidence suggests that … Extensive research has shown that … Studies of X show the importance of … It has previously been observed that … Several attempts have been made to … Previous research has established that … Data from several studies suggest that … Recent research comparing X and Y has found … The existing body of research on X suggests that … There is a growing body of literature that recognises … Several theories on the origin of X have been proposed. Existing research recognises the critical role played by … It is now well established from a variety of studies, that … Recently investigators have examined the effects of X on Y. Surveys such as that conducted by Smith (2015) have shown that … Factors found to be influencing X have been explored in several studies. A number of cross-sectional studies suggest an association between X and Y… Studies over the past two decades have provided important information on …

Identifying a controversy within the field of study

A much debated question is whether … One major issue in early X research concerned … To date there has been little agreement on what … The issue has grown in importance in light of recent … One of the most significant current discussions in X is … In the literature on X, the relative importance of Y is debated. One observer has already drawn attention to the paradox in … Questions have been raised about the use of animal subjects in … In many Xs, a debate is taking place between Ys and Zs concerning … Debate continues about the best strategies for the management of … This concept has recently been challenged by X studies demonstrating … The debate about X has gained fresh prominence with many arguing that … Scholars have long debated the impact of X on the creation and diffusion of … More recently, literature has emerged that offers contradictory findings about … One major theoretical issue that has dominated the field for many years concerns … The controversy about scientific evidence for X has raged unabated for over a century. The issue of X has been a controversial and much disputed subject within the field of … The causes of X have been the subject of intense debate within the scientific community. In the literature on X, the relative importance of Y has been subject to considerable discussion.

Explaining the inadequacies of previous studies

Previous studies of X have not dealt with … Researchers have not treated X in much detail. Such expositions are unsatisfactory because they … Most studies in the field of X have only focused on … Such approaches, however, have failed to address … Previous published studies are limited to local surveys. Half of the studies evaluated failed to specify whether … The research to date has tended to focus on X rather than Y. Previously published studies on the effect of X are not consistent. Smith’s analysis does not take account of …, nor does she examine … The existing accounts fail to resolve the contradiction between X and Y. Most studies in X have only been carried out in a small number of areas.

However, much of the research up to now has been descriptive in nature … The generalisability of much published research on this issue is problematic. Research on the subject has been mostly restricted to limited comparisons of … However, few writers have been able to draw on any systematic research into … Short-term studies such as these do not necessarily show subtle changes over time … Although extensive research has been carried out on X, no single study exists which … However, these results were based upon data from over 30 years ago and it is unclear if … The experimental data are rather controversial, and there is no general agreement about …

Identifying the paucity or lack of previous research

There is little published data on … No previous study has investigated X. The use of X has not been investigated. Data about the efficacy and safety of X are limited. Up to now, far too little attention has been paid to … A search of the literature revealed few studies which … The impact of X on Y is understudied, particularly for … Few studies have investigated X in any systematic way … In addition, no research has been found that surveyed … So far, very little attention has been paid to the role of X. Surprisingly, the effects of X have not been closely examined. In contrast to X, there is much less information about effects of … A systematic understanding of how X contributes to Y is still lacking. Despite the importance of X, there remains a paucity of evidence on … To date, the problem has received scant attention in the research literature.

Identifying a knowledge gap in the field of study

It is still not known whether … … much less is known about X. The nature of X remains unclear. Currently, there are no data on … What is less clear is the nature of … Very little is currently known about X in … Research to date has not yet determined … What is not yet clear is the impact of X on … There is still uncertainty, however, whether … The response of X to Y is not fully understood. Causal factors leading to X remain speculative. The neurobiological basis of X is poorly understood. Little is known about X and it is not clear what factors … To date, only a limited number of Xs have been identified. The mechanisms that underpin X are not fully understood. Much uncertainty still exists about the relationship between … This indicates a need to understand the various perceptions of X that exist among … It is now well established that … However, the influence of X on Y has remained unclear.

Stating the focus, aim, or argument of a short paper

In this paper, I argue that … This paper attempts to show that … The central thesis of this paper is that … In the pages that follow, it will be argued that … In this essay, I attempt to defend the view that … The aim of this essay is to explore the relationship between … The purpose of this paper is to review recent research into the …

Stating the purpose of the current research

The specific objective of this study was to … An objective of this study was to investigate … This thesis will examine the way in which the … This study set out to investigate the usefulness of … This dissertation seeks to explain the development of … This case study seeks to examine the changing nature of … The objectives of this research are to determine whether … This prospective study was designed to investigate the use of … This research examines the emerging role of X in the context of … This study systematically reviews the data for…, aiming to provide … Drawing upon two strands of research into X, this study attempts to … This thesis intends to determine the extent to which … and whether … This dissertation aims to unravel some of the mysteries surrounding … This study therefore set out to assess the effect of X …, and the effect of … The main aim of this study is to investigate the differences between X and Y. Part of the aim of this project is to develop software that is compatible with … There are two primary aims of this study: 1. To investigate … 2. To ascertain … This study seeks to obtain data which will help to address these research gaps. One purpose of this study was to assess the extent to which these factors were … The purpose of this investigation is to explore the relationship between X and Y.

Describing the research design and the methods used

Data for this study were collected using … Five works will be examined, all of which … This investigation takes the form of a case-study of the … This study was exploratory and interpretative in nature. This study uses a qualitative case study approach to investigate … The research data in this thesis is drawn from four main sources: … The approach to empirical research adopted for this study was one of … This dissertation follows a case-study design, with in-depth analysis of … By employing qualitative modes of enquiry, I attempt to illuminate the … Qualitative and quantitative research designs were adopted to provide … Both qualitative and quantitative methods were used in this investigation. A holistic approach is utilised, integrating X, Y and Z material to establish … The study was conducted in the form of a survey, with data being gathered via … The methodological approach taken in this study is a mixed methodology based on … A combination of quantitative and qualitative approaches was used in the data analysis.

Explaining the significance of the current study

This is the first study to … This study provides new insights into … This work will generate fresh insight into … The study offers some important insights into … Understanding the link between X and Y will help … This is the first study to undertake a longitudinal analysis of … The present research explores, for the first time, the effects of … The importance and originality of this study are that it explores … The findings should make an important contribution to the field of …. Characterisation of X is important for our increased understanding of … It is hoped that this research will contribute to a deeper understanding of … This study aims to contribute to this growing area of research by exploring … This project provided an important opportunity to advance the understanding of … Therefore, this study makes a major contribution to research on X by demonstrating … There are several important areas where this study makes an original contribution to … The experimental work presented here provides one of the first investigations into how …

Describing the limitations of the current study

The thesis does not engage with … It is not the task of this paper to examine … This study is unable to encompass the entire … Establishing X is beyond the scope of this study. It is beyond the scope of this study to examine the … The analysis of X presented here is based solely on … A full discussion of X lies beyond the scope of this study. The reader should bear in mind that the study is based on … Another potential problem is that the scope of my thesis may be too broad. Due to practical constraints, this paper cannot provide a comprehensive review of…

Giving reasons for personal interest in the research*

I became interested in Xs after reading … My interest in this area developed while I was … I have worked closely with X for many years and … My personal experience of X has prompted this research. My main reason for choosing this topic is personal interest. It is my experience of working with X that has driven this research. This project was conceived during my time working for X. As a medical advisor, I witnessed …

* sometimes found in the humanities, and the applied human sciences

Outlining the structure of the paper or dissertation

The first section of this paper will examine… This paper begins by … It will then go on to … My thesis is composed of four themed chapters. The essay has been organised in the following way. The remaining part of the paper proceeds as follows: … The main issues addressed in this paper are: a), b) and c). This paper first gives a brief overview of the recent history of X. This paper has been divided into four parts. The first part deals with … The third chapter is concerned with the methodology used for this study. The overall structure of the study takes the form of six chapters, including … Chapter Four analyses the results of interviews and focus group discussions undertaken during … Chapter Two begins by laying out the theoretical dimensions of the research, and looks at how … The fourth section presents the findings of the research, focusing on the three key themes that …

Explaining key terms used in the current work

(also refer to  Defining terms )

Throughout this paper, the term ‘X’ will refer to … The term ‘X’ will be used in this thesis to refer to … Historically, the term ‘X’ has been used to describe … It is necessary here to clarify exactly what is meant by … The phrase ‘X’ will be used in this study to describe the … According to Smith (2002), X can be defined as follows: ‘ … ’ In this article, the abbreviation XYZ will be used to refer to … Throughout this dissertation, the term ‘X’ will be used to refer to … The term ‘X’ is a relatively new name for …, commonly referred to as … In this essay, the term ‘X’ will be used in its broadest sense to refer to all … In this dissertation, the terms ‘X’ and ‘Y’ are used interchangeably to mean … While a variety of definitions of the term X have been suggested, this paper will use the definition first suggested by Smith (1968) who saw it as …

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Descriptive Writing For Bank Exams: A Complete Guide

Descriptive Writing

Descriptive Writing For Bank Exams : In almost every banking related exam, the mains exam consist of descriptive writing. Descriptive Writing which comprises – one Letter Writing and one Essay Writing which makes a total of 25 marks in most of the exams such as NABARD, RBI, IBPS PO, SBI PO etc.  The marks that you get in the descriptive writing section are added to the Mains objective paper marks to calculate the overall mains cut-off marks .  So, it is very important to have a good idea about Descriptive writing.

In this blog, Descriptive Writing For Bank Exams we will provide you with some of the important topics, types, and formats for Letter writing. Do remember that in the exam, you will have to type the Essay and Letter using the computer keyboard. So it is advisable to practice them online.

Get FREE AI Analysis of Your Mock Test Here!  

Descriptive English For Bank Exams – Types of Letter Writing

There are mainly two types of letters asked in exams:

FORMAL LETTER

INFORMAL LETTER

• Written in official and non-personal capacity.
• Written to authorities, dignitaries, bureaucratic bodies, news editors, bank managers, etc
• Personal Letter
• Written to personal contacts, family, friends, relatives, siblings, etc

How to Write a Letter in English – A Guide | Oliveboard

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Descriptive Writing For Bank Exams – Topics For Letter Writing

Below are some important and latest topics that you can practice writing upon for your different Bank Exam descriptive writing part.

Formal Letter Topics-

• Write a letter to the branch manager of your bank to conduct a campaign in your area to create awareness about the benefits of KYC.
• Write a letter to the Superintendent of Police of your district suggesting steps to make the police department more approachable.
• Write a letter to the editor of a local newspaper detailing the losses suffered by local retailers during online sales during festivals.
• Write a letter to the editor of a local newspaper about the stray animal problem getting out of hand in your locality.
• Complaint letter about hassle faced by common people due to demonetization.
• Complaint letter about increasing noise pollution.
• Complaint letter concerning the chaotic state of traffic.
• Letter to Bank Manager to reissue your ATM Card.
• Letter expressing your views on corruption in this country.
• Request letter for greater frequency of Public Transport (Bus Service) in your area.

Informal letters topics-

• Letter to your younger sibling, stating the importance of a healthy diet and the reasons for avoiding junk food.
•   Write a letter to your younger sibling, who has recently started working, to not take too much stress at work.
• Write a letter to your younger sibling about the recent changes in traffic rules and fines, advising him/her to be cautious
• Letter to your favorite novelist about his/her recent novel.
• Letter to your sister congratulating her on her promotion.
• Letter to your friend who is depressed.
• Letter to your parents advising them to invest in mutual funds.
• Letter to invite your friend to your brother’s wedding.
• Letter to convince your friend to take better care of her health .

Prepare these topics or any similar topic that attracts your attention and you will be good to go. 

Descriptive Writing For Bank Exams – Common Tips On Letter Writing

• Word limit – 150 words.
• Correct format and salutation (different for both).
• Take care of grammar, spelling, punctuation, and indentation.
• Every part carries equal weightage.
• 3 paragraphs – an introductory paragraph, a body, and a concluding paragraph.
• Try not to go beyond a single paragraph for the body.
• A letter must never be written in points.
• Use simple and straightforward sentences.
• The letter should have a flow, clearly mentioning the purpose of writing.
• Do not use jargon, slang, or abbreviations.

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Descriptive Writing For Bank Exams – Formal Letter Format

• Use a comma after every line of address.
• Salutation should be “Dear Ma’am/ Sir”.
• Subject can be placed AFTER or BEFORE salutation.
• Addresses of both sender and receiver must be mentioned in a formal letter.
• Sender address> Receiver address > Salutation.
• The introduction must mention the issue.
• The body should describe the issue.
• The conclusion must quote the steps that can be taken/ expectations/ timelines, etc.
• The statements must be very direct and written in a formal command and sentence structure. Use active voice preferably.

Practice Letter writing Here

Descriptive Writing For Bank Exams – Informal Letter Format 

• Address of only the sender should be mentioned in an informal letter.
• Use comma after every line of address.
• Salutation should be “Dear name of the friend/ family”.
• The introduction should have greetings and mention the reason for writing the letter.
• The body should give descriptions of the same.
• The conclusions must end with well wishes, etc.
• Be polite and do not form long sentences and be extra careful of the word limit.

Tips for letter writing:

• Candidates must be able to identify the type of letter they will write. Eg, writing a letter to the Principal asking for leave is a formal letter, but writing a letter to the Principal to catch up after a long time would be an informal letter.
• In formal letters, clearing the purpose of the letter immediately is very important.
• Polite words and civil language should be used while writing a letter.
• The letter should be precise and to the point.
• The opening and closing format should be correct. re 

Complete Descriptive Writing Guide Here

You can also download the E-book for descriptive writing.

Sneak-Peek into the E-Book – Descriptive Writing

How are letters and essays evaluated?

Although there is no set criteria according to which the descriptive section paper is evaluated, there are some common things that are examined by the evaluator. For most banking exams, the descriptive section is evaluated manually.

Content:  The examiner would see whether aspects of the topic have been addressed in the essay and if provided details, examples and explanations are appropriately supporting the candidate’s point of view.

Descriptive writing Guide is Here! Read More

Formal Requirement:  As the paper is descriptive in nature there are certain requirements that must be fulfilled by the answers. For letters, the format must be strictly adhered to. Although extra marks might not be awarded for the format/ structure, an absence of it might cause a reduction in your marks. For letter writing, stick to the prescribed formats of formal and informal letters. For essays, make sure the word limit (if any) is not exceeded. Also, make sure that the essay is in paragraph form.

Development, Structure and Coherence:  How well the topic has been understood and explained is the main criteria for evaluating any piece of descriptive writing. The examiner sees whether there are any examples given, what is the range of thoughts/ ideas presented and how logically they are penned down. The following might be the few things an examiner is looking for in your piece of writing:-

• Does each paragraph contain just one idea or concept?
• Does the evidence support the writer’s argument?
• Does this paper have a beginning (introduction), a middle (body), and an end (conclusion)?

Grammar:  This is also a very important criterion. An essay may be logically presented, it may have a variety of ideas, but if the grammar is bad, it makes the entire essay ‘not so good’. Examiners don’t expect complex sentences. Just make sure you create correct and straightforward sentence structures and convey your thoughts effectively. 

• Does this paper have proper punctuation?
• Does the author provide complete sentences?
• Does this paper have consistent verb tense, voice, and third-person usage? (essays are generally written in the third person)

Vocabulary & Spelling:  Again we would like to clarify that a test taker is not expected to use “high – fi” English words. As long as you have the right word for an idea, that’s good. A simple example of this would be:

• If you want to say “very good”, say “excellent”.

Also, avoid spelling mistakes as they point to a careless attitude.

Here, we would like to mention one important thing: Time Management. Make sure you divide your time as per the weightage of the question. Since an essay has higher marks, allot more time to it.

Descriptive English Practice 04 – Letter-Writing Samples by Oliveboard Users

Refer to the expert guidance for Descriptive Writing in the below-given video.

How To Write an Essay and Important Topics For Essay Writing : Find Here

This is all from us in our blog for Descriptive Writing For Bank Exams. For more updates related to the Banking Exam, Please stay tuned to Oliveboard.

English Letter Writing Format: Tips and Tricks | Oliveboard

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Dikshant (DJ) is an engineer turned banker. He has cleared many competitive exams before his current placement. Being an officer in the bank, DJ is super busy but makes sure that he always finds time for writing informative & exam-oriented content to help students in cracking competitive exams such as SBI, IBPS, SSC, JAIIB/ CAIIB and many more.

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IELTS Essay Bank

Take a look at these high-quality written essays  and learn strategies, ideas, facts, and details   for your writing excellence., the ielts writing bank.

Essay writing is one of the most critical aspects of the IELTS exam. But that's not all. Writing essays is essential for your future journey through college and beyond. Learn more about writing strategies and ideas by reading and analyzing the essays below.

Science and Technology

Some people think that the best way to be successful in life is to get a university education. Others disagree and say this is no longer true.

Discuss both views and give your own opinion.

Today many people use the internet and smartphones to transfer money to friends, family, and businesses.

Is this a positive or negative development?

Culture, Music & Society

Law & Crime

Some people say that the clothes people wear are the most important indication of what they are like. Others, however, say that people should not be judged by the clothes they wear.

Prison is the common way most countries try to  solve the problem of crime. However, a more  effective solution is to provide the public a better  education.

To what extent do you agree or disagree?

People are wearing western-style clothes rather than more traditional clothes.

Why is this?

Some people think that it's good for a country's culture to show imported foreign film and TV programs. Other people think that country should develop their own film and TV programs instead. 

Discuss both sides and give your own opinion.

Environment

Research shows that some activities are good for  health and others are bad. Despite knowing that,  millions of people engage in unhealthy activities.

What is the cause of this?

What can be done?

Human activities have negative effects on plant  and animal species. Some people think it is too  late to do anything about this problem. Others  believe effective measures can be taken to  improve this situation.

Discuss both views and give your opinion.

Nowadays, an increasing number of people with

health problems are using alternative medicines

and treatments instead of visiting their normal

Do you think it is a positive or negative development?

In many countries, people throw away a lot of  food from restaurants and shops.

Why do you think people waste food in this way?

What can be done to reduce the amount of food

The manufacturing and use of cars damages the  environment but their popularity is increasing.

How could this be controlled?

“In some countries, there is not enough recycling  of waste materials (e.g. paper, plastic, glass, and  cans).”

What are the reasons and the solutions to this?

International Relations

Older people often choose to spend money on  themselves (e.g. on holidays) rather than save  money for their children after retirement.

Is that a positive or negative development?

Government & Cities

Media, Celebrities &

Advertising.

Advertising discourages people from being different individuals by making us all want to do the same and look the same.

Many people feel that media coverage is becoming increasingly biased today.

What can be done to fix this problem?

Economy & Business

Some people think employers should not care about the way their employees dress, but the quality of work.

Many governments think that economic progress is their most important goal. Some people, however, think that other types of progress are equally important for a country.

Discuss both these views and give your own opinion.

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Bank Essays-Part 4-Sample Essays

By Asad Yar Khan

In every Bank job, you will be required to continuously communicate with customers and analyze the information for the swift running of the Bank. The descriptive writing section tests a candidate with the writing skills needed for this very purpose. Essay Writing tests your writing ability and your skills to organize your thoughts and ideas. Therefore, good results demand good writing skills. The descriptive section is also crucial from the overall exam perspective, as it affects your overall exam score.

Many aspirants find this section challenging, but good preparation can make this part easy and scoring. So, this article will focus on the art of writing a good essay via a sample essay. Before concentrating on the essay, let’s take a look at the Exam pattern to know the importance of the English section in the Exam.

NIACL AO Exam Pattern 2021  

Phase-1 – prelims exam pattern  , phase-2 exam pattern – mains  , descriptive test mains .

The Descriptive Test will be conducted in online-mode with English as the medium of the test is of 30 minutes duration, where you will have to deal with the English Language divided into:

The descriptive test will be in English and conducted through online mode. Each candidate will be required to obtain a minimum score for each section of the objective test separately for shortlisting for the Descriptive test evaluation/Interview. Descriptive answer script would be evaluated only in respect of those candidates who qualify for the objective test. Depending on the number of vacancies available, cut-offs will be decided for Descriptive paper evaluation.  

Sample Essay with Analysis

Given below is a sample essay of 300 words, which will give you an idea about the length and format of the essay.

Topic: The importance of cyber security in banking (300 Words)-With Analysis

Banks have been witnessed thefts and frauds for centuries. Earlier, they had to deal with physical theft and computer fraud and now they have to defend themselves from the problem of cyber fraud and theft of personally identifiable information (PII). And here is where cyber security in banking comes into the picture.

(Introduction of the Essay- The topics is introduced and developed in this paragraph. Here you can introduce related ideas in the next paragraphs.)

As people make most transactions online, there is always a risk of a data breach. It is becoming increasingly important due to our dependence on computer systems, the Internet, and wireless network standards like Bluetooth and Wi-Fi. Another reason for this is the unprecedented growth in the usage of smart devices, including smartphones, and also the Internet of things.

Because of its complexity, technologically and politically, cybersecurity has become one of the major challenges in today’s world. This challenge can be countered by means of countermeasure. Countermeasure is a term used in computer security as an action, device, procedure, or technique to reduce a threat, or an attack by either eliminating it or preventing it altogether. It minimizes the harm the treatment can cause to the system.

With the wave of digitalization in India, people have started using digital payment via apps for online shopping, whether it be ordering food or transferring money, and more. And every day, more and more people are adopting the way of digital transactions. This has been attracting the danger of hackers, who can easily hack into banking applications to steal the personal data of customers. Banking technology, therefore, has to be vigilant against cybersecurity threats. These threats have made it extremely important for banks to regularly upgrade their banking technology to secure the Bank data from hackers.

(Body of the Essay- In the above paragraphs, you can develop the points or arguments by using examples and by connecting the related ideas together so that the essay reads smoothly.)

To conclude, Cybersecurity in digital banking cannot be compromised. Therefore, there needs to be a reliable Cybersecurity system that can effectively safeguard the customer’s data and money.

( Conclusion of the Essay -Conclusion is a very important part of an essay, especially if you are writing for Bank exams. You should encapsulate the main idea of the essay in the conclusion.)

Take Mock Tests

Don’t forget that the knowledge or information of a subject matter or topic is only part of the preparation process. You need to train your mind to spend quick-time in thinking about how to organize your ideas. You can achieve nothing in this world without hard work and dedication. And that is what is needed in sharpening your writing skills in penning a quality Essay on any topic in any Bank Exam. To come out with good essays every time, you need to take care of your reading habits. Read newspapers daily without fail. Newspapers will inject in your mind all the necessary general knowledge, grammar and vocabulary, and the idea-generating power. In addition, you need to constantly work on avoiding any grammatical errors in your writing. After writing every essay, you should proofread it for errors in grammar, capitalization, punctuation, and spelling. You can find countless and diverse resources that are conducive to improving your writing skills including the grammar part, both online and offline. Do a quick google search to jump to a plenitude of platforms that offer lessons and tips on grammar and writing with games and exercises and follow our article! Lastly, give as many  Mock Tests  as you can to instill confidence in you.

Q1. Is the descriptive paper of NIACL important?

Yes, it is valued at 30 marks which will make a lot of difference in qualifying the mains.

Q2. How to prepare for descriptive English NIACL AO?

Get good at general English language, sentence formation, vocabulary by maximizing your reading efforts. So, try reading good editorials, newspapers, and books.

Q3. Is there any negative marking in the NIACL AO exam?   

Yes, there will be a negative marking of 0.25 marks for each wrong answer.  

Q4. How many sections are there in the NIACL AO prelims exam?   

A total of 3 sections: Prelim, Mains, Personal interview  

Q5. Is there any interview for the NIACL AO post?   

A personal interview is conducted for candidates which clear the phase-2 examination.   

Q6. How many vacancies are there for NIACL AO 2021?   

300 vacancies  

Q7. Is PM’s NIACL AO 2021 Free Mock Test available?

Yes, PracticeMock’s first mock test is free for NIACL AO.

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Home » Descriptive Writing for Bank Exams: Check Format, Pattern And Topics For Essay And Letter Writing

Descriptive Writing for Bank Exams: Check Format, Pattern And Topics For Essay And Letter Writing

Descriptive Writing for Bank Exams: Here we have come up with the complete details regarding Descriptive Writing for Bank Exams and also attached the Descriptive Writing Topics PDF for Bank Exams. Descriptive Writing is one of the important parts of most of the bank exams like IBPS PO, SBI PO, RBI Grade B, NABARD Grade A, and Nabard Grade B. The motive of this descriptive writing for bank exams is to test candidates’ general English reading & writing skills required for the job profile. In the Descriptive Writing for Bank Exams, there are two sections which are Essay Writing and Letter Writing. The Descriptive Writing for IBPS PO is for a total of 25 marks and the Descriptive Writing for SBI PO is for a total of 50 marks. The total time duration for the Descriptive Writing For bank exams is 30 minutes. Candidates who are preparing for the bank exams must practice the Descriptive Writing Topics to score more marks. Because Descriptive Writing for Bank Exams is one of the easiest scoring sections. We have provided the Descriptive Writing Topics for Bank Exams in the Descriptive Writing PDF. These Descriptive Writing Topics are added to the pdf after analyzing the latest trend and previous year’s question papers. In this Descriptive Writing for bank exams page, we have added the Descriptive Writing Topics for both essay writing and letter writing. These essay writing topics and letter writing topics added in the descriptive writing pdf for bank exams will be helpful to prepare for the upcoming bank examinations. So utilize this Descriptive Writing for Bank Exams page to learn the Descriptive Writing format, Descriptive Writing topics, patterns, and more.

 Descriptive Writing PDF For Bank Exams 

Descriptive Writing Topics PDF For Bank Exams

Descriptive Writing Topics PDF: Here we have attached the Descriptive Writing Topics PDF for bank exams for the preparation of the candidates. This Descriptive Writing Topics PDF covers both essay writing topics and letter writing topics for bank exams which are commonly asked in IBPS PO and SBI PO exams. Our experts have curated these Descriptive Writing Topics pdf which includes essay writing topics and letter writing topics after analyzing the latest trend and previous year’s questions papers. So candidates make the best use of this Descriptive Writing Topics pdf to score more marks easily in the competitive examinations.

Download Descriptive Writing Topics PDF For Bank Exams

What Is Descriptive Writing for Bank Exams? 

Descriptive Writing for Bank Exams: Descriptive Writing for bank exams is an online descriptive test. It mainly splits into two segments which include essay writing and letter writing. For the NABARD Grade A exam, they will ask other descriptive writing topics for bank exams such as precis, comprehension, and business journal-type. So aspirants can refer to this descriptive writing for bank exams page to gain knowledge about Descriptive Writing for Bank Exams. If you practice the Descriptive Writing for Bank Exams with the Descriptive Writing topics pdf for Bank Exams provided here you will surely be familiar with the Descriptive Writing for Bank Exams which will be helpful to maximize your scores in the upcoming bank exams. Before going to practice with the Descriptive Writing for Bank Exams you should be familiar with the Descriptive Writing pattern and format. So let’s read further to know the Descriptive Writing pattern and Descriptive Writing format for bank exams.

• Descriptive essay writing describes the topic through which objectives, literacy skills, Presentation skills, and knowledge of a writer are identified.
• It provides a clear picture and concise information on the topics chosen to describe.
• It enhances the vocabulary skills of the writer and also makes the writer gain the skills to deliver the content to the readers.
• Writers define the topics by Capturing events and paying attention to the issues.

Descriptive Writing Pattern for Bank Exams

Descriptive Writing Pattern for Bank Exams: Candidates can check the Descriptive Writing Pattern for various bank exams here for their reference. You can check the Descriptive Writing for Bank Exams pattern for IBPS PO, SBI PO, RBI Grade B, NABARD Grade A, and NABARD Grade B in the following table.

Descriptive Writing Format For Bank Exams

We have provided the descriptive writing format for bank exams here. The two segments that are commonly asked in most of the bank exams in descriptive writing for bank exams are,

• Descriptive Essay Writing Format

Descriptive Letter Writing Format

Descriptive essay writing format for bank exams.

Descriptive Essay Writing: Essay writing is a major part of descriptive writing topics for bank exams. Through this descriptive essay writing for bank exams, they will test the candidate’s creative writing and thought process. Some of the key Essay elements of descriptive writing for bank exams are as follows:

• The characteristics of a good essay are unity of thought, lucid language with consistency, the relevance of context, and the positioning of ideas.
• Some of the most popular descriptive writing topics for bank exams in essay writing are descriptive, narrative, argumentative, and expository essays.
• Essays on the environment, socio-political issues, current events, and financial & banking affairs are commonly asked.

Descriptive Essay Writing Format for Bank Exams

Candidates can check the Descriptive Essay Writing Format for Bank Exams here. An essay is a creative flow of ideas that has no fixed structure. However, the standard descriptive writing format for essays is given below –

• Introduction
• Body Paragraphs

How to start my essay?

Candidates can check the tips to start essay descriptive writing for bank exams provided here.

• While stating any topic, defining the introduction on the title is more important in essay writing.
• The introduction represents what is given in the latter part of the essay.
• The introduction must contain key ideas and mandatory information.

What topic do I have to choose?

• Candidates must need to choose a topic on which sufficient points could be collected at the stipulated time.
• The candidate must have known current events and objectives of the topic chosen to describe.
• The candidate should choose the topic on which impressive ideas and thoughts can be delivered.

Descriptive Letter Writing Format For Bank Exams

Descriptive Letter Writing: Letter writing is a significant part of descriptive writing for bank exams. The skill of descriptive writing for bank exams is commonly tested through Letter Writing which is the same as sending official and unofficial emails, but with a specified format. The letter defines the way of stating information, conveying messages, wishes, and gratitude, addressing grievances, and tweeting progress to the receiver. It is a communication medium between a sender and a receiver. It is a formal way of expressing thoughts. A letter aids the person to deliver everything in a systematic way and also It is a fundamental step to originate the process. Letter writing in descriptive writing for bank exams is asked mainly in two types which are given below.:

• Formal Letter
• Informal Letter

Now, let’s move on further to understand the structure, format, and descriptive writing examples for bank exam letter writing.

Descriptive Letter Writing Format: The descriptive letter writing format for bank exams is provided here for the formal and informal letter types. Aspirants can check the descriptive letter writing format provided in the table given below.

How to Convey My Message?

• Candidates have to plan which type of letter will be presented to them before starting the descriptive letter writing,

If It Is A Formal Descriptive Letter Writing

Formal Descriptive Letter Writing: Due to the official communication purpose it serves, formal letter type is most asked in descriptive writing for bank exams. It is written to both official acquaintances like schools, and colleges, as well as business acquaintances to bank managers, bureaucratic bodies, and other officials for sending official notifications or demands. Let’s check the highlights comprising a formal Letter as follows:

• Candidates must observe whether the body of the content should be addressing complaints, requisition for something, or stating information.
• Mentioning the subject clarifies to the receiver what is defined in the following content.
• The body of the content should be concise information on what needs to be delivered.
• At the end of the content, the aspirant must add a statement to express gratitude or requisition words to make the desired action to be complete.
• It is written for official and semi-official purposes only.
• The tone must be direct and structured with polite & civil language
• Some of the top formal letter descriptive writing formats for bank exams are business letters, order letters, promotional letters, enquiry letters, social letters, etc.

If It Is A Informal Descriptive Letter Writing

If It Is Informal Descriptive Letter Writing: Informal letter writing for bank exams is much easier to write in bank exams and otherwise as they don’t maintain any set of fixed regulations or tone. They are written to family, friends, and even officials for a light-hearted or friendly purpose. Let’s check the highlights comprising an Informal Letter are as follows:

• It is written for unofficial purposes only.
• Its tone can be short, simple, friendly, and even indirect to some extent.
• Some of the most common informal letter descriptive writing formats for bank exams are letters of friendship, apology, congratulations, requests, obituaries, etc.
• Candidates can express their own ideas, wishes, worries …… etc.,
• Candidates need to mention words like hey/hello/how are you? ……..  at the start of the content.

What I should not do?

Candidates can check the things that should not be done while writing the letter writing for IBPS PO 2023.

• The candidate should not use colloquial language in any form.
• Content should not be lengthy.
• The candidate should not use irrespective of words of anybody or any other organization.
• The candidate should not define fake information.
• Should not use impertinent words while suggesting remedies or opinions.

Descriptive Writing for Bank Exams – FAQs

Here we have added some FAQs related to descriptive writing for bank exams for the reference o the candidates.

Q.   How to choose a topic for descriptive essay writing for bank exams?

Candidates need to choose a topic on which sufficient points could be collected at the stipulated time and the topic should be current affairs.

Q. What are the topics asked in descriptive writing for bank exams?

Q. What is formal letter writing?

The formal letter is also known as the official letter and it is written to a respected person, reputed organization, and higher officials.

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Essay on Bank

All of us have seen a bank and most probably have also visited them. But very few of us know about their types and all of their functions. I have brought these essays containing all the details about a bank and will also help you in wiring your essays.

Short and Long Essays on Bank in English

Essay on Bank for students of class 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and class 12 in English in 100, 150, 200, 250, 300, 500 words. Also find short Bank essay 10 lines.

Bank Essay 10 Lines (100 – 150 Words)

1) Banks are the place where people keep their money.

2) Works related to money like loans, transactions, etc are done in banks.

3) In 16 th to 19 th centuries, modern banks came into existence.

4) Banks keep our money, ornaments, important papers, etc safe.

5) The loan facility of banks provides great help to the people.

6) There are many government and private banks in India.

7) In India all the banks are controlled and managed by the Reserve Bank of India (RBI).

8) Banking sector employs a huge population.

9) The first bank of India was the Bank of Calcutta which was later named as State Bank of India.

10) Today internet and technology have made banking easier.

Essay 1 (250 Words) – Bank

Introduction

Banks are the places where we keep our money or do all our money-related work. Either it is getting a loan or something else. This type of place has been addressed as a bank. Although the word has various meanings, all of them mean the same. It is a place where you feel relaxed. When we are in pressure or have to solve some money-related problems we visit a bank.

How Banks Came into Existence

The existence of a bank was seen for the first time in Mesopotamia in 8000 BC. The evidence of bank and temples were seen in this civilization. These banks were not made for lending money because the money came afterword. These banks were made for lending seeds and agricultural stuff. They also used to keep records of trading.

Modern banking came into existence between the 17th to 19th centuries. It is said that Goldsmiths were the first bankers and they use to lend money to people and people use to keep their valuable things near goldsmiths.

The first-ever bank which offered bank noted was the Bank of England. It further developed and today we have well-established banks. We also have ATMs and Credit cards, etc. All these things have made banking easy.

Everything established in this world slowly. Either it was a man or a bank. Things develop and progress as per time. Today things seem so simple to us but they were not so simple and easy years before. A bank is one of the best examples which show development and change in society.

Essay 2 (400 Words) – Bank and Its Importance

Banks are denoted as one of the most important pillars of our economy. People keep their savings in these banks and this helps our nation to progress. Banks help people in various ways; they lend money for different work. Like if you have to buy a house, a car, even a laptop, banks give us money on certain interests and we can easily pay it in different instalments. Apart from this, there are many more uses of a bank.

Importance of Banks

Banks are important and useful in many ways and I have mentioned some of the most important uses below;

• Provides Safety

We feel safe when we keep our money in a bank. Not only money people also keep other valuable things in banks like ornaments, important papers, etc. They provide overall security and many of our parents really feel thankful that they can safely keep their money somewhere. It will be not wrong if I say that we sleep peacefully because we have banks to protect us.

• Saves our Money

It is a human tendency that if we have money in our pocket, we will definitely spend it. Whereas if they are in a bank, we feel a bit lazy to use and also banks provide interesting profits and sometimes they also double your money in some schemes. This saves our money and we develop a good bank balance.

• Develops Employment

There are more than thousands of employees working in a particular bank and there are 34 banks and all of them have more than 3 branches in a particular city. They are also available in villages, really one of the hottest sectors which provide employment. Many of us just love to be a part of a bank because it is a reputed job.

• Provides Loan Facilities

It was a time when people use to help each other and families use to do everything for their near and dear ones. But time has changed how people live in nuclear families and they do not have many contacts. People in cities hail from different places as a result they won’t trust. Then who will help you financially, who will trust you and give you some money when you need it. It is a bank which provides loan and helps you financially.

Banks are important parts of our life and have become very necessary for us. We can’t imagine a society without a bank. We can’t trust others, but we can trust a bank and they are our true friends who never ditch us and also protect our money.

Essay 3 (500 – 600 Words) – Types of Banks

We go to school for education, we visit a temple for prayer similarly there is a place where we visit to solve our money-related problems. We save our money, valuable things and also get a loan. A one-stop solution for all types of money related problems. There are many banks in India and some of them are government whereas some of them are private. All of them do the same job and help people in different ways.

The First Bank

Banca Monte dei Paschi di Siena or Berenberg Bank holds the credit of the world’s oldest bank and it was established in the year 1624.

Whereas Bank of Calcutta was the first bank of India established in the year 1806. The name was further changed as Bank of Bengal and also today known as SBI.

Types of Banks:

Banks are of different types some help people in their agricultural problems whereas some help us in our day-to-day problems. I have defined them below;

Central Banks

Banks that are controlled by legislative bodies are central banks. It can be a central bank or reserve bank. We can also state them as the main bank which decides the interest rates as per inflation in the country. They are not only a bank but they also keep an eye on other banks and controls the overall money supply. They also take care of any kind of foreign exchange as well as government bonds. We can call them as the head of all banks.

Commercial Banks

A bank, that is, specially designed for the development of business. They provide loans and some business benefiting offers. They especially support middle to big size business.

Retail Banks

Another name of Retail bank is consumer bank; these banks provide all kinds of facilities to costumers. They won’t lend money to companies or other institutions. People save their money in these banks and they have their easy access to their accounts. They can take or deposit money whenever they want. They provide credit cards, debit cards, ATM facilities, etc to the customer.

Private Banks

Private Banks are also banks having people with personal profits. They provide all facilities like other retail banks just they are not authorized by government agencies. Although the government has an eye on every bank they have very few shares owned by government sectors.

Online Banks

Online banking or internet banking is one of the most convenient forms of banking. They are easily available where ever you want on your fingertips. It is also termed as virtual banking and is a branch of banking. Digital transactions are specially used in this mode of banking and it is most popular these days.

Savings Bank

That bank where we simply deposit our money and they provide us with some interest in our money is saving bank.

Regional Rural Bank

These banks are specially designed for people living in rural areas. They are commercial banks but they are operated at the regional level. They provide all kinds of financial facilities to people living in that area and work for their betterment.

Banks are the basic structures of our economy; they are very helpful in developing a nation. They secure our money and also invest that money in other sectors and generate new income. Really banks are very important and they also help normal people in developing a new business or even buying a house. They have multiple uses and they are available everywhere. We can easily find ATMs and have our money whenever needed.

FAQs: Frequently Asked Questions

Ans . There are 12 public sector banks in India after the merge of smaller banks into larger ones.

Ans . The State Bank of India is the largest public sector bank in India.

Ans . IndusInd Bank, originated in 1994, is the India’s first private bank.

Ans . The ICICI bank is now partnered with PhonePe for UPI transactions.

Ans . The first governor of Reserve Bank of India was Osborne Smith.

Ans . The ICICI bank has recently started the Whatsapp banking services.

Ans . The best bank in India is HDFC bank.

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Moscow-City: 7 surprising facts about the Russian capital’s business center

1. Guinness World Record in highlining

The record was set in 2019 by a team of seven athletes from Russia, Germany, France and Canada. They did it on September 8, on which the ‘Moscow-City Day’ is celebrated. The cord was stretched at the height of 350 m between the ‘OKO’ (“Eye”) and ‘Neva Towers’ skyscrapers. The distance between them is 245 m. The first of the athletes to cross was Friede Kuhne from Germany. The athletes didn't just walk, but also performed some daredevil tricks. Their record is 103 meters higher than the previous one set in Mexico City in December 2016.

2. Domination of Europe's top-10 highest skyscrapers

7 out of 10 Europe’s highest skyscrapers are located in Moscow-City. Earlier, the  ‘Federation Tower’ complex’s ‘Vostok’ (“East”) skyscraper was the considered the tallest in Europe.

Left to right: the lower of the ‘Neva Towers’ (296 m), Commerzbank Tower in Frankfurt (300 m), Gorod Stolits (“City of Capitals”) Moscow tower (302 m), Eurasia tower (309 m), The Shard’ skyscraper in London (310 m), Mercury City Tower (339 m), Neva Towers (345 m).

However, in 2018, the construction of the 462 meter tall ‘Lakhta Center’ in Saint-Petersburg was completed, pushing ‘Vostok’ (374 m) into 2nd place. The 3rd place is taken by OKO’s southern tower (354 m).

3. The unrealized ‘Rossiya’ tower

If all the building plans of Moscow-City were realized, the ‘Lakhta Center’ in St. Petersburg wouldn't have a chance to be Europe's highest skyscraper. Boris Tkhor, the architect who designed the concept of Moscow-City, had planned for the ‘Rossiya’ tower to be the tallest. In his project, it was a 600 meter tall golden cylindrical skyscraper ending with a spire that was inspired by traditional Russian bell towers. Then, the project was reinvented by famous British architect Sir Norman Foster. He had designed ‘Rossiya’ as a pyramid ending with a spire. The skyscraper itself would have been 612 meters tall, and the height including the spire would have reached 744,5 meters (for comparison, the ‘Burj Khalifa’ in Dubai, UAE, would have been just 83,5 meters taller). Unfortunately, the investors faced a lot of economic problems, due to the 2008 financial crisis, so the ‘Rossiya’ skyscraper was never built. A shopping mall and the ‘Neva Towers’ complex was constructed at its place in 2019.

4. Changed appearance of ‘Federation Tower’

In its first project, the ‘Federation Tower’ was designed to resemble a ship with a mast and two sails. The mast was to be represented by a tall glass spire with passages between the towers. It was planned to make a high-speed lift in it. The top of the spire was going to be turned into an observation deck. But the ship lost its mast in the middle of its construction. Experts at the Moscow-city Museum based in the ‘Imperia’ (“Empire”) tower say, that the construction of the spire was stopped, firstly, due to fire safety reasons and secondly, because it posed a threat to helicopter flights – the flickering glass of the spire could potentially blind the pilots. So, the half-built construction was disassembled. However, an observation deck was opened in the ‘Vostok’ tower.

5. Open windows of ‘Federation Tower’

We all know that the windows of the upper floors in different buildings don’t usually open. Experts say that it’s not actually for people’s safety. Falling from a big height is likely to be fatal in any building. The actual reason is the ventilation system. In a skyscraper, it’s managed with a mechanical system, and the building has its own climate. But in the ‘Zapad’ (“West”) tower of the ‘Federation Tower’ complex, the windows can open. The 62nd and last floor of the tower are taken up by a restaurant called ‘Sixty’. There, the windows are equipped with a special hydraulic system. They open for a short period of time accompanied by classical music, so the guests can take breathtaking photos of Moscow.

6. Broken glass units of ‘Federation Tower’

The guests of the ‘Sixty’ restaurant at the top of the ‘Zapad’ tower can be surprised to see cracked glass window panes. It is particularly strange, if we take into consideration the special type of this glass. It is extremely solid and can’t be broken once installed. For example, during experiments people threw all sorts of heavy items at the windows, but the glass wouldn’t break. The broken glass units of ‘Zapad’ were already damaged during shipment . As each of them is curved in its own way to make the tower’s curvature smooth, making a new set of window panes and bringing them to Russia was deemed too expensive . Moreover, the investors had financial problems (again, due to the 2008 financial crisis), so the ‘Vostok’ tower even stood unfinished for several years. Eventually, the cracked window panes were installed in their place.

7. The highest restaurant in Europe

‘Birds’, another restaurant in Moscow-City, is remarkable for its location. It was opened at the end of 2019 on the 84th floor of the ‘OKO’ complex’s southern tower. Guests at the restaurant can enjoy an amazing panoramic view at a height of 336 meters. On January 28, the experts of ‘Kniga Recordov Rossii’ (“Russian Records Book”) declared ‘Birds’ the highest restaurant in Europe, a step toward an application for a Guinness World Record.

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