How SBI Chooses Letter Writing Questions
SBI never asks imaginative or creative letters.
Every letter comes from a real branch situation an officer faces daily.
So instead of guessing exact questions, we predict situation categories —
because SBI repeats situations, not sentences.
Pattern Observed in Previous Exams
Almost all letters fall into 4 real-life banking roles:
- Reply to customer
- Inform customer
- Explain delay/problem
- Report to senior authority
If you prepare these, any question becomes manageable.
🔥 Category 1: Customer Complaint Replies (Very High Probability)
This is SBI’s favourite.
You must show:
- responsibility
- calm tone
- assurance
Most Expected Topics
- Reply regarding failed ATM transaction
- Response to unauthorized debit complaint
- Delay in loan processing explanation
- Complaint about rude staff behaviour
- Incorrect bank charges clarification
- Internet banking transaction failure
These test professionalism more than English.
🔥 Category 2: Customer Information Letters
Here SBI checks clarity of communication.
Most Expected Topics
- KYC update reminder
- Account becoming dormant/inactive
- Change in bank charges/service rules
- Cheque bounce information
- Loan EMI overdue reminder
- Account closure confirmation
Focus: precise communication, no emotional language.
🔥 Category 3: Advisory / Awareness Letters
SBI strongly emphasises financial awareness.
Most Expected Topics
- Digital fraud awareness advisory
- Safe ATM usage guidelines
- Importance of updating mobile number
- Encouraging digital banking adoption
- Financial literacy for rural customers
- Senior citizen banking facilities information
Tone must be guiding, not commanding.
🔥 Category 4: Internal Official Communication
Moderate probability but scoring.
Most Expected Topics
- Reporting cash shortage/excess
- Requesting technical support
- Reporting suspicious transaction
- Staff shortage affecting operations
- ATM cash replenishment delay
- Seeking approval for customer issue resolution
Here tone must be formal and precise.
🔥 Category 5 : Public Service Coordination
(SBI likes officer–society interaction topics)
- Request municipality for road access near branch
- Police assistance for crowd management
- Electricity department for frequent power cuts
- Installation of CCTV near ATM
Topics SBI Rarely Asks
Avoid spending time memorizing:
❌ Invitations
❌ Congratulations letters
❌ Festival greetings
❌ Personal letters
❌ Story based letters
SBI focuses only on professional communication.
How to Prepare Smartly
Don’t memorize 50 letters.
Prepare response logic:
Situation → Action → Resolution → Assurance
Once this habit forms, any topic becomes easy.
Bank Whizz Preparation Advantage
Most aspirants know format but still lose marks.
Why?
Because they don’t know:
- how officers actually communicate
- how much explanation is enough
- how to sound firm but polite
We train real response thinking —
so the letter feels natural in the exam.
Final Advice
In SBI CBO letter writing:
Knowledge gives words
Clarity gives marks
Prepare situations, not sentences.