The SBI CBO 2025 Descriptive English Paper (20 July, Shift 1) has been successfully conducted. Based on detailed candidate feedback and multiple reliable sources, here is the complete analysis of the Essay and Letter Writing questions asked.
If you are preparing for SBI CBO 2026, this analysis will help you understand the pattern, expectations, and preparation strategy.
📌 SBI CBO 2025 Descriptive Test Structure
The descriptive section consisted of:
- Essay Writing – 250 Words
- Letter Writing – 150 Words
- Internal choices available
- Typing-based submission
- Overall difficulty level: Easy to Moderate
The section focused more on clarity, structure, and practical understanding rather than complex vocabulary.
📝 Essay Questions Asked in SBI CBO 2025
The most consistently reported essay topics were:
1️⃣ Uses of Artificial Intelligence (AI)
2️⃣ Benefits of the Olympics in India (Future Perspective)
Some additional themes reported by candidates from various sources include:
- Role of NBFCs in Indian Economy
- Agriculture in India
- Banking Reforms after 1992
However, the AI essay topic was widely confirmed.
🔎 Essay Analysis
Topic: Uses of Artificial Intelligence (AI)
SBI tested:
✔ Awareness of emerging technology
✔ Practical applications (Banking, Fraud Detection, Automation)
✔ Balanced approach (Benefits + Concerns)
✔ Structured presentation
Candidates who followed Introduction – Body – Conclusion format found the topic manageable.
No deep technical explanation was required. Relevance and clarity mattered more than complexity.
✉️ Letter Writing Questions Asked
The most reported letter topics were:
1️⃣ Letter to Cyber Department regarding Internet Banking Fraud
2️⃣ Letter to Municipal Authority regarding Sewage Treatment Issue
3️⃣ Letter requesting Installation of Solar Lights in Locality
🔎 Letter Section Analysis
This section tested:
✔ Formal tone
✔ Professional complaint format
✔ Clear subject line
✔ Logical paragraphing
✔ Practical suggestions or requests
The Internet Banking Fraud letter clearly reflects SBI’s focus on real banking situations and digital awareness.
Candidates were expected to mention:
- Transaction details
- Date and amount
- Request for investigation
- Blocking of account
- Recovery request
Format discipline played a major role in scoring.
📊 Overall Difficulty Level
| Section | Difficulty | Nature |
|---|---|---|
| Essay | Easy to Moderate | General awareness + structured writing |
| Letter | Easy | Practical & format-based |
Candidates who practiced descriptive writing beforehand managed time comfortably.
Those who ignored structure struggled with word limit and clarity.
🎯 What SBI CBO 2025 Paper Indicates for 2026 Aspirants
The paper clearly shows SBI is testing:
✔ Practical banking awareness
✔ Digital fraud and cybersecurity knowledge
✔ Emerging topics like AI
✔ Professional written communication
✔ Structured and concise expression
For SBI CBO 2026 preparation, focus on:
- AI in Banking
- Cybersecurity & Digital Banking
- Financial Inclusion
- Renewable Energy & Sustainability
- Governance & Civic Issues
- Banking Sector Reforms
Descriptive preparation cannot be left for the last month.
🚀 Smart Strategy for SBI CBO Descriptive Section
- Practice 250-word structured essays weekly.
- Practice 150-word formal letters regularly.
- Maintain proper format.
- Improve typing speed.
- Focus on clarity, not ornamentation.
- Stick to the word limit strictly.
Descriptive marks can significantly impact your final merit ranking.
📘 Why Bank Whizz Focuses on Descriptive Mastery
At Bank Whizz, we believe descriptive English is not “just a section” — it is a scoring opportunity.
We provide:
- SBI CBO Full-Length Descriptive Mocks
- Topic-wise Essay & Letter Practice
- AI-assisted + Expert Evaluation
- Structured Format Templates
- Real Exam Simulation
Consistent practice + structured feedback = Selection edge.
📌 Final Conclusion
The SBI CBO 2025 Descriptive English paper was balanced, practical, and awareness-driven.
Candidates who practiced structured writing performed well.
Those relying on last-minute preparation struggled with time and formatting.
If you are targeting SBI CBO 2026, now is the right time to build descriptive discipline.