📝 Introduction
While Essay and Letter Writing dominate the SBI PO Descriptive English section, Report and Proposal writing can also be tested under internal assessments or in future updated exam structures. These formats are widely used in the banking industry for internal communication, incident reporting, and project recommendations.
This post will guide you through:
- The formats of both report and proposal writing
- Key differences between the two
- Sample topics tailored for SBI PO
- Pro-level writing tips
- A strategy to practice effectively
📘 Why Report & Proposal Writing Matters for SBI PO Aspirants
- As a Probationary Officer, you’ll be expected to document observations, analyze situations, and recommend solutions.
- These formats help build your professional writing skill—useful beyond exams.
- If SBI includes format-based writing in future descriptive tests, you’ll have a competitive edge.
🧱 REPORT WRITING – Format & Strategy
✅ Format of a Formal Report
Title: (Concise heading of the report)
Submitted to: (Name/designation)
Submitted by: (Your name/designation)
Date: (dd/mm/yyyy)
1. Introduction
- Purpose of the report
- Context or background
2. Findings/Observations
- Facts, data, survey results
- Events or incidents
3. Analysis
- Implications of the findings
- Problems identified
4. Recommendations
- Suggested actions
- Justifications for the recommendations
5. Conclusion
- Summary of key takeaways
📝 Sample Report Topic
Title: Report on Delay in Loan Processing at XYZ Branch
Submitted to: Regional Manager, SBI
Submitted by: Rahul Sharma, PO
Date: July 15, 2025
Introduction:
This report highlights the recurring delays in loan processing at XYZ Branch between January and June 2025.
Findings:
- Average loan processing time increased from 7 to 14 working days.
- Staff shortage in the credit department.
- Frequent server downtimes during document upload.
Analysis:
Delays have affected customer satisfaction and branch ratings. The issue could result in loss of potential leads.
Recommendations:
- Deploy an additional officer for documentation.
- Schedule a service audit for digital infrastructure.
- Conduct weekly loan review meetings.
Conclusion:
Immediate action is recommended to restore processing efficiency and enhance customer trust.
🧩 PROPOSAL WRITING – Format & Strategy
✅ Format of a Formal Proposal
Title: (Clearly state the purpose of the proposal)
Submitted to: (Authority)
Submitted by: (Your details)
Date:
1. Introduction
- Overview of the issue or opportunity
2. Objectives
- What the proposal aims to achieve
3. Action Plan
- Steps to be taken
- Resources required
4. Expected Outcomes
- Benefits or improvements anticipated
5. Conclusion
- Call to action or request for approval
📝 Sample Proposal Topic
Title: Proposal to Organize a Digital Literacy Camp for Senior Citizens
Submitted to: Branch Manager
Submitted by: Shreya Singh, SBI PO
Date: July 10, 2025
Introduction:
The proposal aims to conduct a digital banking awareness workshop for senior citizens in the locality.
Objectives:
- To educate senior customers about UPI, mobile banking, and online fraud protection.
- To increase digital banking adoption.
Action Plan:
- Conduct a 1-day workshop at the branch premises.
- Distribute pamphlets and demonstration kits.
- Collaborate with IT cell for live demos.
Expected Outcomes:
- Improved digital confidence among elderly customers.
- Reduced dependency on branch visits.
Conclusion:
Approval is sought to organize this event in the first week of August. Necessary budget allocation and team support are requested.
🔍 Key Differences: Report vs Proposal
| Aspect | Report Writing | Proposal Writing |
|---|---|---|
| Purpose | To present findings and recommend actions | To suggest a plan or idea for approval |
| Tone | Objective and factual | Persuasive and solution-oriented |
| Language | Passive voice is common | Direct and assertive |
| Conclusion | Summarizes findings | Requests approval or implementation |
📅 Practice Plan (1 Report + 1 Proposal Per Week)
Week 1
- Report: Staff absenteeism at your branch
- Proposal: Opening a new customer helpdesk
Week 2
- Report: Power failure during working hours
- Proposal: Organizing a school-level financial literacy drive
Week 3
- Report: Delay in ATM cash replenishment
- Proposal: Setting up a grievance redressal box
Week 4
- Report: Unauthorized access to locker room
- Proposal: Conducting cyber safety training for employees
✅ Expert Tips to Score High
- Stay concise – Don’t exceed 300 words.
- Use headings and subheadings for clarity.
- Avoid emotional or casual language.
- Stick to facts in reports and solutions in proposals.
- Proofread for grammar and structure.
🧠 Final Words
Even if report and proposal writing are not directly tested in SBI PO 2025, they form the bedrock of a Probationary Officer’s communication responsibilities. Mastering these formats will not only make you a better writer in exams but also a more effective officer in your career.
At Bank Whizz, we provide:
- Format templates
- Mock writing exercises
- Evaluation and personalized feedback
Don’t just prepare to pass—prepare to perform like a future SBI leader.