The SBI CBO 20 July 2025 Descriptive English Paper (Shift 1) has been conducted successfully. Based on verified candidate feedback and multiple reliable sources, here is a detailed analysis of the essay and letter writing topics asked.
If you are targeting SBI CBO 2026, this breakdown will help you understand the trend and prepare strategically.
📌 SBI CBO 2025 Descriptive Test Pattern
The descriptive section included:
- Essay Writing – 250 Words
- Letter Writing – 150 Words
- Internal choices available
- Typing-based submission
- Overall level: Easy to Moderate
The section tested clarity, structure, practical awareness, and professional tone.
📝 Essay Topic Asked – Uses of Artificial Intelligence (AI)
One of the most consistently reported essay topics was:
👉 “Uses of Artificial Intelligence (AI)”
🔎 What the Essay Tested
- Awareness of emerging technologies
- Application of AI in real-life sectors
- Structured thinking
- Balanced perspective
Expected Coverage in Essay
Candidates were expected to mention:
- AI in Banking (fraud detection, automation, customer service chatbots)
- AI in Healthcare
- AI in Governance
- AI in Education
- Concerns such as job displacement and ethical risks
- Need for responsible regulation
The topic was general and manageable. Candidates with structured preparation found it comfortable.
✉️ Letter Writing Topics Asked
The most widely reported letter topic:
👉 Letter to Cyber Department regarding Internet Banking Fraud
Other reported themes included:
- Letter to Municipal Authority regarding Sewage Treatment Issue
- Letter requesting Installation of Solar Lights in the locality
🔎 Letter Section Analysis
This section tested:
✔ Formal letter format
✔ Clear subject line
✔ Logical presentation of facts
✔ Professional tone
✔ Practical request for action
For the Cyber Fraud letter, candidates were expected to include:
- Transaction details
- Date and amount
- Immediate blocking request
- Investigation request
- Recovery appeal
Precision and format discipline were crucial.
📊 Difficulty Level Analysis
| Section | Difficulty | Nature |
|---|---|---|
| Essay | Easy to Moderate | Awareness-based + structured |
| Letter | Easy | Practical & format-driven |
Time management was comfortable for candidates who practiced typing and structure beforehand.
🎯 What SBI CBO 2025 Indicates for 2026 Aspirants
This paper clearly shows SBI is focusing on:
✔ Emerging technology (AI)
✔ Digital fraud awareness
✔ Practical banking scenarios
✔ Professional written communication
✔ Clarity over complexity
For SBI CBO 2026 preparation, focus on:
- AI in Banking
- Cybersecurity & Digital Fraud
- Financial Inclusion
- Banking Sector Reforms
- Governance & Civic Awareness
- Renewable Energy & Sustainability
Descriptive preparation should be systematic and consistent.
🚀 Smart Preparation Strategy for SBI CBO Descriptive
- Practice 250-word structured essays weekly.
- Practice 150-word formal letters regularly.
- Maintain strict word limit discipline.
- Follow proper format in letters.
- Improve typing speed.
- Focus on clarity and logical flow.
Descriptive English can significantly influence final merit ranking.
📘 Why Bank Whizz Emphasises Descriptive Mastery
At Bank Whizz, we specialise in Descriptive English preparation for regulatory and banking exams.
We provide:
- SBI CBO Full-Length Descriptive Mocks
- Topic-wise Essay & Letter Practice
- Structured Format Templates
- AI-assisted + Expert Evaluation
- Real Exam Simulation Practice
Consistent structured practice creates selection advantage.
📌 Final Takeaway
The SBI CBO 20 July 2025 Descriptive Paper was balanced, practical, and awareness-driven.
Candidates who practiced structured writing felt confident.
Those who neglected descriptive preparation struggled with format and time management.
If you are serious about SBI CBO 2026, start building descriptive discipline now.