Contents · The marks allotted for this is usually 20 marks. In this paper, you are supposed to qualify only as the marks will not be added to prepare the final merit list. Essay

2 Banking & SSC eBook – May 2017

Contents Preface ....................................................................................... 3

How to write a Good Essay in SBI PO Mains Exam? .................. 5

SBI PO Main 2017 – English Language Practice Set ................. 10

ANSWER KEY: SBI PO Main English Language ..................... 32

SSC CGL current affairs topics with preparation tips ............... 33

SSC CGL: Practice Set: General Awareness .............................. 37

ANSWER KEY: SSC CGL General Awareness ..................... 47

Current Affairs – April 2017 ..................................................... 48

Career: Banking ....................................................................... 56

How is Bank officer training conducted? ......................... 56

Career: SSC ............................................................................... 60

Roles and responsibilities of assistant in railway ministry

......................................................................................... 60

Feedback .................................................................................. 64


Preface Jagranjosh is India’s leading education portal which helps students

prepare for various competitive exams. Jagranjosh’s Banking & SSC

section provides all the updated and relevant information to help

students prepare for recruitment exams.

Banking & SSC e-book May 2017 is prepared by Jagranjosh’s team of

subject matter experts who worked up the best to come up with this

all-inclusive preparation package for SBI PO Main exam & SSC CGL

General Awareness Section. The compilation of this eBook is made to

help students understand the SBI PO exam pattern and SSC CGL

exam. It further includes fully solved one Practice paper along with

tips & strategies to prepare for individual subjects. This will help them

hone ‘time management’ skills.

The SBI Banking & SSC e-book May 2017 includes:

SBI PO Main Exam 2017: How to write good essay

Practice set of SBI PO Main

Tips to prepare General Awareness for SSC CGL

General Awareness set for SSC CGL

Current Affairs for April 2017

Career articles for Banking & SSC


Jagranjosh’s Banking & SSC e-book May 2017 eBook is a one-stop

solution to help students prepare for the SBI PO & SSC CGL exam.

All the chapters of this eBook are reader-friendly and easy to

understand. Prepare with the e-book to score more.

Our team at Jagranjosh.com wishes all the very best to the aspirants of

SBI & SSC Exams.

All the Best!

Copyright ©Jagranjosh.com

All rights reserved. No part or the whole of this eBook may be

copied, reproduced, stored in retrieval system or transmitted and/or

cited anywhere in any form or by any means (electronic, mechanical,

photocopying, recording or otherwise), without the written permission

of the copyright owner. If any misconduct comes in knowledge or

brought in notice, strict action will be taken.

Disclaimer

Readers are requested to verify/cross-check up to their satisfaction

themselves about the advertisements, advertorials, and external

contents. If any miss-happening, ill result, mass depletion or any

similar incident occurs due to any information cited or referenced in

this e-book, Editor, Director/s, employees of Jagranjosh.com can’t be

held liable/responsible in any matter whatsoever. No responsibilities

lie as well in case of the advertisements, advertorials, and external

contents.


How to write a Good Essay in SBI PO Mains

Exam? SBI PO Mains Exam is round the corner and all of you

must be giving the finishing touches to your preparation

these days. The mains exam consists of both objective

paper and a descriptive English paper which will be

conducted just after the objective examination. In

descriptive examination, you will have to write an essay of

around 500 words in one of the given topics. The marks

allotted for this is usually 20 marks. In this paper, you are

supposed to qualify only as the marks will not be added to

prepare the final merit list.

Essay Writing: Some Useful Tips

Though marks are not added to the final merit list, your

fate in the exam depends very much on the score you fetch

in the descriptive exam. Essay section is very important,

hence, to see you through to the final selection list. Now,

let us discuss some very easy yet effective tips to score

more in the essay section of these exams:

Choose your topic wisely: You will be given a

number of choices in the exam. You are supposed


to choose a topic on which you can write from

different points of view since you are expected to

write your own opinion as well in the essay.

Brainstorm points: This is the next step once you

are done with choosing the topic. You jot down the

points in your mind regarding what you are going

to write in the essay. If you get time, write them

down in the rough sheet given to you and follow

them by heart while writing the essay.

Be precise and to the point: While discussing any

point in your essay, you are supposed to be to the

point in presenting your point to the reader. Use

language that represents your thoughts without the

need to write more and more.

Maintain Paragraphs: This will help you keeping

track of the points that you have already covered in

your essay. Try to cover one point in one

paragraph and move on to the next.

Maintain the flow of the essay: When you are

moving on from one point to the other in the

paragraph, you are supposed to maintain the flow

of the essay. Do not jump from one point to the

other without giving a link between the two.


Correct English is necessary: You may not know

a lot of words, try to use your resources wisely as

correct English is more important than fancy

English. Be accurate in your usage of language

rather than using difficult words in your essay.

Furthermore, use words that are right for the

context in which you are using it.

Try to stick to the given word limit: You should

always keep in mind the word limit given in the

question. Do not overshoot the limit too much

since you are supposed to write the essay within

that word limit. So, keep your arguments limited to

the word limit and try to finish it within that limit

as well.

Conclude the essay properly: A good essay

should have a good conclusion always. In that, you

are supposed to write your opinion regarding the

topic or should strike a conciliatory note regarding

the arguments presented in the essay.


Essays in SBI PO Mains: Some Important Topics

There are certain topics that you can cover as your

preparation in SBI PO Mains exam:

A Unified Financial Sector Regulator: Is the

model feasible in India?

Concept of Differentiated Banks in India: Is it

the future of Indian banking?

Microfinance is the way forward for Financial

Inclusion: Do you agree?

Social Media: It is more misused than used in

India

Inflation and Policy Rates in India

Freedom of Speech cannot be Absolute for the

sake of Democracy

Priority Sector Lending: A Boon for Indian

Agriculture

E-commerce Boom is a boon for Digital India

Programme

Startup India, Standup India: India’s Chance to

be the Global Superpower


Bank Board Bureau will pave way for

Professionalization of Banking in India

Essay writing is very important for your success and

failure in SBI PO examination. So, fasten your seat belts

and practice as much as you can before you are going to

face the actual test one week from now. In order to

understand the logical flow of an essay, go through some

sample topics as well as read the editorials of some good

newspapers. You are supposed to form an opinion on the

given topic and write in your own language the same.

Give data and information but along with that, present

your ideas as well as that is too expected from you.


SBI PO Main 2017 – English Language

Practice Set Directions (1 - 10): Read the following passage and

answer the questions that follow:

After the initial announcement that the Bharatiya Mahila

Bank would participate in the mega-merger of State Bank

of India and its subsidiaries, the fate of this bank is now in

limbo, with the Cabinet undecided on its merger. The

reason for this flip-flop is unknown. But it is clear that the

bank, launched just three years ago to promote women’s

empowerment and financial inclusion, is still a long way

from attaining its lofty objectives. With just 100 branches

and a business of Rs.1548 crore (March 2016), its

operations are nascent.

That the cause of financial inclusion and economic

empowerment for women in India needs urgent policy

intervention is brought home by several statistics. The

World Economic Forum’s 2016 Gender Gap Report

ranked India a lowly 136 out of 144 countries in terms of

economic participation and opportunities for women.

Official statistics suggest that, even after a brisk pace of

account openings under the Pradhan Mantri Jan Dhan


Yojana, fewer Indian women (61 per cent in 2015) own

bank accounts than men. Research studies show that

women-run small and medium enterprises face great

difficulty in accessing formal credit, and if they do, are

forced to fork out higher interest rates than male-run firms.

If women in business and lower-income brackets face out-

and-out discrimination, affluent ones have to make do

with sub-optimal products from financial services firms

due to stereotyping. Banks vending ‘special’ women’s

savings accounts and credit cards seem to think that

discounts on apparel, cosmetics and spa treatments, with

the odd ‘well-woman’ check-up thrown in, is all that is

needed to customize their offerings for women. Even

Bharatiya Mahila Bank’s initial suite of loan products for

women focused mainly on kitchen renovations, beauty

parlours, daycare centres and catering services. All this

runs contrary to the experience that women borrowers tend

to be more disciplined with savings and timely with loan

repayments. This is indeed why much of the lending by

microfinance institutions and self-help groups is

deliberately targeted at women of the household. If

women face high barriers to bank finance despite this, it

can be attributed not just to gender bias, but also to their


lack of access to collateral (property titles are mostly held

by male members) and financial literacy constraints. On

these counts, financial institutions and policymakers need

to do far more than engage women employees. They need

to drive financial literacy among women borrowers and

explore innovative means to assess their credit-worthiness

in the absence of collateral. Digital footprints and

transaction data mined by new-age alternative credit

scoring platforms can be of great help to assess repayment

ability, and banks must leverage these for innovative

alternatives such as flow-based lending.

Overall, women face different financial challenges from

men and have unique financial planning needs. It is time

both policymakers and financial services firms tried to

understand the financial needs of women through serious

grassroots research, instead of relying on stereotypes to

bridge the gender divide in finance.

1. Bharatiya Mahila Bank was established with the

objective to promote:

a) Women’s Empowerment

b) Financial Inclusion


c) Merger with holding company

d) Both Women’s Empowerment and Financial

Inclusion

e) None of the above

2. Which of the following fact shows that the

operations of Bharatiya Mahila Bank are at its

nascent stage?

a) 100 branches and a loss of Rs.1548 crore since its

launch.

b) 100 branches and a business of Rs.1548 crore since

its launch.

c) 100 registered offices and a loss of Rs.1548 crore

since its launch.

d) 100 registered offices and a business of Rs.1548

crore since its launch.


3. What does the term ‘flow based lending’ mean in

the passage?


a) Secured lending

b) Collateral based lending

c) Asset based lending

d) Cash-flow lending


4. In 2016, World Economic Forum ranked India at

136 out of 144 countries for:

a) Infrastructural Development

b) Business practices and Investment

c) Economic participation and opportunities for

women

d) Ease of doing business


5. Which of the following Yojna were considered by

the statisticians while calculating the figure of bank

accounts owned by women versus men?


a) PMGKY

b) PMJDY

c) PMSBY

d) PMJJBY


6. What does the term ‘flip-flop’ mean in the passage?

a) An electronic circuit that can assume either of two

stable states.

b) A backward somersault.

c) A decision to reverse an earlier decision.

d) A backless sandal held to the foot by a thong

between the big toe and the second toe.


7. Bharatiya Mahila Bank’s initial group of loan

products for women were focused mainly on:

a) Kitchen renovations

Banking & SSC eBook May 2017

Publisher : Jagran Josh Author : Jagran Josh

Type the URL : http://www.kopykitab.com/product/10908

Get this eBook

http://www.kopykitab.com/index.php?route=product/product&product_id=10908

Contents · The marks allotted for this is usually 20 marks. In this paper, you are supposed to qualify only as the marks will not be added to prepare the final merit list. Essay

Documents