Bank Essays-Part 4-Sample Essays

In every Bank job, you will be required to continuously communicate with customers and analyze the information for the swift running of the Bank. The descriptive writing section tests a candidate with the writing skills needed for this very purpose. Essay Writing tests your writing ability and your skills to organize your thoughts and ideas. Therefore, good results demand good writing skills. The descriptive section is also crucial from the overall exam perspective, as it affects your overall exam score.

Many aspirants find this section challenging, but good preparation can make this part easy and scoring. So, this article will focus on the art of writing a good essay via a sample essay. Before concentrating on the essay, let’s take a look at the Exam pattern to know the importance of the English section in the Exam.

NIACL AO Exam Pattern 2021

Phase-1 – Prelims Exam Pattern

Subject	Marks	Time	Medium
English Language	30	20 Minutes	English
Reasoning	35	20 Minutes	English & Hindi
Quantitative Aptitude	35	20 Minutes	English & Hindi
Total	100	60 Minutes

Phase-2 Exam Pattern – Mains

Subject	No. of Ques. /Max Marks	Time	Medium	Type
Test of English Language	50	120 Mins	English	Objective
Test of Reasoning	50	English & Hindi	Objective
Test of General Awareness	50	English & Hindi	Objective
Test of Quantitative Aptitude	50	English & Hindi	Objective
Total	200

Descriptive Test Mains

The Descriptive Test will be conducted in online-mode with English as the medium of the test is of 30 minutes duration, where you will have to deal with the English Language divided into:

Letter Writing	10 marks
Essay	20 marks
Total	30 marks

The descriptive test will be in English and conducted through online mode. Each candidate will be required to obtain a minimum score for each section of the objective test separately for shortlisting for the Descriptive test evaluation/Interview. Descriptive answer script would be evaluated only in respect of those candidates who qualify for the objective test. Depending on the number of vacancies available, cut-offs will be decided for Descriptive paper evaluation.  

Sample Essay with Analysis

Given below is a sample essay of 300 words, which will give you an idea about the length and format of the essay.

Topic: The importance of cyber security in banking (300 Words)-With Analysis

Banks have been witnessed thefts and frauds for centuries. Earlier, they had to deal with physical theft and computer fraud and now they have to defend themselves from the problem of cyber fraud and theft of personally identifiable information (PII). And here is where cyber security in banking comes into the picture.

(Introduction of the Essay-The topics is introduced and developed in this paragraph. Here you can introduce related ideas in the next paragraphs.)

As people make most transactions online, there is always a risk of a data breach. It is becoming increasingly important due to our dependence on computer systems, the Internet, and wireless network standards like Bluetooth and Wi-Fi. Another reason for this is the unprecedented growth in the usage of smart devices, including smartphones, and also the Internet of things.

Because of its complexity, technologically and politically, cybersecurity has become one of the major challenges in today’s world. This challenge can be countered by means of countermeasure. Countermeasure is a term used in computer security as an action, device, procedure, or technique to reduce a threat, or an attack by either eliminating it or preventing it altogether. It minimizes the harm the treatment can cause to the system.

With the wave of digitalization in India, people have started using digital payment via apps for online shopping, whether it be ordering food or transferring money, and more. And every day, more and more people are adopting the way of digital transactions. This has been attracting the danger of hackers, who can easily hack into banking applications to steal the personal data of customers. Banking technology, therefore, has to be vigilant against cybersecurity threats. These threats have made it extremely important for banks to regularly upgrade their banking technology to secure the Bank data from hackers.

(Body of the Essay-In the above paragraphs, you can develop the points or arguments by using examples and by connecting the related ideas together so that the essay reads smoothly.)

To conclude, Cybersecurity in digital banking cannot be compromised. Therefore, there needs to be a reliable Cybersecurity system that can effectively safeguard the customer’s data and money.

(Conclusion of the Essay-Conclusion is a very important part of an essay, especially if you are writing for Bank exams. You should encapsulate the main idea of the essay in the conclusion.)

Take Mock Tests

Don’t forget that the knowledge or information of a subject matter or topic is only part of the preparation process. You need to train your mind to spend quick-time in thinking about how to organize your ideas. You can achieve nothing in this world without hard work and dedication. And that is what is needed in sharpening your writing skills in penning a quality Essay on any topic in any Bank Exam. To come out with good essays every time, you need to take care of your reading habits. Read newspapers daily without fail. Newspapers will inject in your mind all the necessary general knowledge, grammar and vocabulary, and the idea-generating power. In addition, you need to constantly work on avoiding any grammatical errors in your writing. After writing every essay, you should proofread it for errors in grammar, capitalization, punctuation, and spelling. You can find countless and diverse resources that are conducive to improving your writing skills including the grammar part, both online and offline. Do a quick google search to jump to a plenitude of platforms that offer lessons and tips on grammar and writing with games and exercises and follow our article! Lastly, give as many Mock Tests as you can to instill confidence in you.

FAQs

Q1. Is the descriptive paper of NIACL important?

Yes, it is valued at 30 marks which will make a lot of difference in qualifying the mains.

Q2. How to prepare for descriptive English NIACL AO?

Get good at general English language, sentence formation, vocabulary by maximizing your reading efforts. So, try reading good editorials, newspapers, and books.

Q3. Is there any negative marking in the NIACL AO exam?  

Yes, there will be a negative marking of 0.25 marks for each wrong answer.  

Q4. How many sections are there in the NIACL AO prelims exam?  

A total of 3 sections: Prelim, Mains, Personal interview  

Q5. Is there any interview for the NIACL AO post?  

A personal interview is conducted for candidates which clear the phase-2 examination.   

Q6. How many vacancies are there for NIACL AO 2021?  

300 vacancies  

Q7. Is PM’s NIACL AO 2021 Free Mock Test available?

Yes, PracticeMock’s first mock test is free for NIACL AO.