Essay on Green Banking

Commercial banks will have to accept a comprehensive green banking policy by December 2013 as part of the central bank's efforts to create banking practices more accountable to social and environmental causes.

Bangladesh Bank (BB) will give points to compliant banks on management component while deciding on its CAMELS (capital, asset, management, earning, liquidity and sensitivity) rating.

The central bank will name top ten banks for their overall performances in green banking, and will take into account green banking of a financial institution to give it authorization to open new branches.

The banks will have to inform the BB of their initiatives on a quarterly basis within 15 days after the end of a quarter. The first quarterly report has to be submitted by July 15.

Besides avoiding negative impacts on environment through banking activities, the banks are expected to introduce environment friendly green products to address the core ecological challenges of the country.

The central bank said the banks hold an exclusive position in an economic system that can affect production, business and other economic activities through their financing activities and thus may contribute to polluting environment.

In line with global development and response to the environmental degradation, the country's financial sector should play important roles as one of the key stakeholders, the central bank said, adding that the state of environment in Bangladesh is rapidly deteriorating.

It said the environmentally responsible banks do not only improve their own standards but also affect socially responsible behaviour of other businesses.

The commercial banks will now require taking measures to protect environmental pollution while financing a new project or providing working capital.

ESSAY ON GST(Goods and Service Tax ) INDIA

One of the biggest taxation reforms in India -- The Goods and Service Tax (GST) -- is all set to integrate State economies and boost overall growth. GST will create a single, united Indian market to make the economy stronger. Finance Minister Pranab  Mukherjee  while presenting the Budget on July 6, 2009, said that GST would come into effect from April 2010. (The date of functioning of GST  is set on August 2012. GST might not be implemented before 1 April 2013.) The implementation of GST will lead to the elimination of other taxes such as octroi, Central Sales Tax, State-level sales tax, entry tax, stamp duty, telecom licence fees, turnover tax, tax on consumption or sale of electricity, taxes on transportation of goods and services, etc.., thus avoiding multiple layers of taxation that currently live in India.

But just what is GST all about and how will it impact you?

What is GST?

goods and Services Tax -- GST -- is a complete tax levy on manufacture, sale and utilization of goods and services at a national level. during a tax credit mechanism, this tax is collected on value-added goods and services at each stage of sale or purchase in the supply chain. The system allows the set-off of GST paid on the procurement of goods and services against the GST which is payable on the supply of goods or services. However, the end consumer bears this tax as he is the last person in the supply chain. Experts say that GST is likely to improve tax collections and boost India's economic development by violation tax barriers between States and integrating India through a standardized tax rate.

What are the benefits of GST?

Under GST, the taxation burden will be divided equitably between manufacturing and services, through a lower tax rate by increasing the tax base and minimizing exemptions.

It is expected to help build a transparent and corruption-free tax administration. GST will be is levied only at the destination point, and not at various points (from manufacturing to retail outlets).

Currently, a manufacturer needs to pay tax when a finished product moves out from a factory, and it is again taxed at the retail outlet when sold.

How will it benefit the Centre and the States?

It is estimated that India will gain $15 billion a year by implementing the Goods and Services Tax as it would promote exports, raise employment and boost growth. It will divide the tax burden equitably between manufacturing and services.

What are the benefits of GST for individuals and companies?

In the GST system, both Central and State taxes will be collected at the point of sale. Both components (the Central and State GST) will be charged on the manufacturing cost. This will benefit individuals as prices are likely to come down. Lower prices will lead to more consumption, thereby helping companies.

Source : Face Book 

DESCRIPTIVE PAPER 18.09.2011 ibps po exam

1. Essay Writing(20M):

a. Is world being a global village a reality?

b. Growth of aviation services in india in last decade?

c. E-banking?

2. Letter writing(15M):

a. To a local newspaper to start a series hilighting cultural heritage of the state?

b. To an appropriate authority complaining about shortage of drinking water supply in your area?

c. To your younger brother/sister explaining the significance of lokpall bill?

3. Precis writing(15M):

All The Best

Common Descriptive Topics of Banking Exams(IBPS PO)

Descriptive topic for IBPS PO


Attention Ibps po Aspirants Descriptive Paper is also Important ..yes All Well Known .why last ibps po disqualified more candidates in Descriptive paper even though good marks in Objective paper so concentrate in Descriptive also.please review some points are given below : 


Descriptive Writing Involves the following topics :

1. Essay Writing - Broadly there are 2 such areas.

(a) Economic , Financial and Banking

(b) Sociological Problems ( Unemployment , Poverty , discrimination against women, corporate governance, corruption in India etc..)

(c) Agricultural and Banking Issues - Recent Developments and Issues.

Though the topics in this section can be anything and everything, but more importance should be given to the recent economical issues around the world.

2. Paragraph writing

This section will consists of any famous sayings like Rome was not built in a day, charity begins at home, lend your ears to all your tongue to few or normal questions like why wild life should be protected? How can pollution be decreased?

You have to write an entire Paragraph on it !

3. Point of View Questions - This type of questions will be given and you have to make some points for the point and also against the point or you have to tell the advantages and also disadvantages of that point being true.

The questions will be like disarmament, are we more civilized than our forefathers? Democracy and its future in India, is science a curse or boon? Should love marriages be allowed? Hindi should replace English as a link language, should industries be nationalized? Etc.

Rmember nothing can be said to be correct or Incorrect and U have to substantiate your arguement with sufficient Reasons.

4. Letter Writing - This part consists of informal letters (like to your parents, brother etc), formal letters (like to your employer seeking a leave etc), applications and official letters, and business letters. Any good English vocabulary book like wren and martin will prove to be a good source for this section.


All The BEST


Keep watching ..ibps exam Guru for more tips and niche contents ....

Essay topics that may be expected

1. financial inclusion

2. 2G scam

3. Is China a threat to India in economic development?

4. Measures u suggest for eradication of corruption in political and business circles

5. Use cloud computing in communication

6. Measures u suggest for fighting inflation

7. Terrorism - has been continuing in spite of efforts of government. What corrective measures do you suggest

8. Computer games spoil outdoor games -- give a brief analaysis

9. The role played by banks in our country's economic growth

10. Sarva Shiksha abhiyan -- Your critical analysis of its implementation

11. Net Banking - online Transactions 


12. Debit Card -credit card


13. India Banking System


14. Green Banking 


15. GST (Goods and service Tax )INDIA


16. Use of Internet Communications 

Essay Writing on " Poverty Alleviation"

Eradication of poverty has long been the overarching objective of Indian economic development. But even after fifty years of planning, more than a fourth of our population is still living below extremely modest poverty line.

Looking back at the Plans, we see that except for the first Five Year Plan, every other Five Year Plans have envisaged more than 5 percent growth in national income per year. But none of these goals have been reached. Till 1980-81, our average rate of growth moved around 3.5 percent per annum. It is this massive failure to achieve rapid growth that is the root cause of our failure to eliminate poverty.

Besides relying on the strategy of rapid growth, we also adopted other poverty alleviation policies like transfers of various kinds that were supposed to augment the earned income of poor households. The two main transfer programmes in India are the Public Distribution System (PDS) and the provision of Integrated Child Development Services (ICDS).

There are several income augmenting programmes as well. The Integrated Rural Development Programme (IRDP), Development of Women and Children in Rural Areas (DWCRA), Training of Youth and Self-Employment Programmes (now merged into Swarn Jayanti Gram Swarozgar Yojna) and two public works programmes for employment generation, namely Jawahar Rozgar Yojna (JRY) and the Employment Assurance Scheme (EAS), Area based programmes include Drought Prone Areas Programme (DPAP) and Watershed Programmes. Some of these programmes overlap with each other.

On these programmes, spending by the Central government account for around 8.5 per cent of the Central plan budgetary expenditure or a modest 1.45 percent of the GDP (1997-2002), which is inadequate as compared to the magnitude of the problem.

STRATEGY TO ALLEVIATE POVERTY

1. Adopt pro-poor growth strategy, which create rapidly expanding job opportunities in the rural areas.

2. Address the inefficiency and inequity in the health and education sector by involving NGOs.

3. Empower panchayats in decision – making.

4. Promote faster agricultural growth by expanding irrigation watershed management and land reforms.

5. Expand employment programme such as EGS, FAS, JRY etc all over the country so that poor get income support.

6. Expand the Integrated Child Development Services (ICDS) for the reduction of mortality and poverty.

7. Adopt midday meals programme all over the country to reduce poverty and encourage school attendance.

8. Expand group-based micro – credit - scheme to cover the entire country.

Essay Writing on "TV Addiction"

Television is one of the major miracles of Science and has revolutionariness small human outlook. But TV, which was once meant for education as well as entertainment, has become an addiction today. With cable TV beaming 24-hour programme through different channels, it has become an addiction for most.

The educational content is sorely missing from TV programmes today. The young and the old alike are glued to their TV sets day in and day out. Social intercourse, outdoor activities and children’s studies have all taken a back seat to TV programmes. Guests are not welcome when one’s favourite serial is on; telephones are often kept off the hook when one is engrossed in the trials and tribulations of one’s favourite characters in a soap opera. All this has truly turned TV viewers into couch potatoes. We have no time for ourselves as well as for others. We plan our work schedules and outings keeping in view our favourite TV programmes. For children, students back home from the school, TV is a must – they would like to take lunch with only TV on. The reading habit has virtually disappeared from the lives of school-going children as well as adults. Flickering images have become our window to the world of information and entertainment today, thus proving the truth underlying the statement that viewing TV programmes has made us all couch potatoes. We are paying a very heavy price for this idiot box.

The programmes include exaggerated and meaningless advertisements meant for promoting the sales of consumer goods, most of which could be termed as luxuries in a developing country like ours. In the name of comedy, vulgar serials are telecast. Nearly 80 percent of the programmes are cinema-oriented and of no practical value to the viewers. Infidelity, adultery, cheating, womanizing, drinking, indulging in anti-social activities, corrupt police and government servants, terrorists, black marketers, hoarders, drug peddlers, etc., are the main characters of these serials. Contract killing, murders, rape scenes, offering and accepting of bribes for leaking out state secrets, etc., are shown in an explicit manner to the viewers, most of whom are children in their formative stage. In every episode, hardly 10 minutes are devoted for the story of the serial. The rest of the slotted time is lapped up by advertisers who are called the sponsors, and pay crores of rupees for the time that they get. The advertisements are forced on the viewers, and the same ads are repeated so many times during the day that one gets fed up. Even the contents of these advertisements are highly objectionable.

Apart from studies, sports have been a big casualty due to TV addiction of the children and the youth. In small sized rooms, constant TV viewing causes permanent damage to the eyes. Late night TV viewing adversely affects the health. This is a national loss. Social and community life is another casualty. People are driven to pigeon holes called homes with no outside link. People today accept anything and everything in the name of entertainment, because TV brings it home to them inexpensively.

In our country there are few prime time programmes produced for students. Informative programmes like the UGC’s special newscasts and bulletins appear in the afternoon or at late nights and students find themselves either at schools, colleges or in bed during these programmes. Channels like Discovery and National Geographic are few and far between. However, television is not a bad medium which creates only a negative impact on children, for this right programmes have to be telecast at the right time and in the right way. This has not been realized in our country and we can hold the electronic media responsible for this because of its deterioration in programme planning and objectives in recent years.

Our lives are centred round the various TV programmes that have made as dull and listless. Undoubtedly TV has become an addiction in modern times and the sooner we get out of this habit, the better it will be for all of us. It is high time that the intelligentsia; social workers, parents and other responsible citizens, rose in protest against the manner in which the powerful medium is being misused. Unless this trend is arrested, the country would be ruined one day, as the children and youth would have knowledge only about films and nothing else.

To conclude, TV viewing is not that bad. This scientific infotainment invention is just like a knife, which can be used for cutting fruit and vegetables as also for stabbing a person. Much depends on the viewers. If they fall in love with it head long, TV is not to be blamed. Man has to reform himself. Excess of everything is bad. Keeping late hours at night no: only affects the punctuality of students but elders too don’t leave their bed till 8 in the morning with their heads heavy due to constant exposure to serials and eye lids still heavy.

TV has become a handy instrument for westerners to impose their culture on us through invisible and slow doses. The Indian culture will be the biggest victim of western onslaught on our culture via the 245-hour TV viewing with the help of cable network. We have to be wary of this danger which will surely emigrate our cultural values making us western satellites culturally.

Essay writing - Tips For Bank Exam

ESSAY WRITING –IMPORTANT POINTS

An essay is generally speaking, a written composition containing an expression of one’s personal opinions or ideas on a subject.

A good essay must hold its readers’ attention from the beginning to the end. For this it must possess certain qualities, which make a piece of writing readable and enjoyable. Here are some of these qualities for you to keep in mind:

First, a good essay shows its writer’s personality in the same way as good manners or pleasing behaviour does. So you have to learn how to write it and spend a lot of time to perfect your style in essay writing. If one wants to learn good manners, one must live with and learn from those who possess them. This is equally true of writing, essay writing in particular. One must study the best models and learn from them. And one must practice the art of writing with patience and great care.

Secondly, every essay depends on two things. These are (a) its subject matter, and (b) its language. To write an essay you require ‘material’—clear ideas based on experience, reading and observation. These ideas have to be put into words and these words must convey what the writer wishes to say. For this he should know the right words and the most appropriate ways to put them together. In other words, an essay calls for ideas that are based on your everyday life or experience or ideas that you have imagined. It next calls for a rich stock of words and of structures (the sentence of the language). Above all, it calls for the ability to put these thoughts and sentences together.

To say that an essay writer must put his thoughts together is to point to another main quality of a good essay—its structure. Every essay has a structure.

Article I. A) Part of An Essay

An essay is generally divided into three parts:

1. The Introduction.

2. The Body.

3. The Conclusion.

And each of these requires careful attention.

i) Introduction Paragraph

What is an introduction paragraph?

The Introduction paragraph is the first paragraph of your essay.

What does it do?

It introduces the main idea of your essay. A good opening paragraph captures the interest of your reader and tells why your topic is important.

How do I write one?

The introduction should be designed to attract the reader's attention and give the reader an idea of the essay’s focus. Begin with an attention grabber. The attention grabber you use is up to you, but here are some ideas:

Article II. Starting information

This information must be true and verifiable, and it doesn’t need to be totally new to your readers. It could simply be a pertinent fact that explicitly illustrates the point you wish to make. If you use a piece of startling information, follow it with a sentence or two of elaboration.

Article III. Anecdote

An anecdote is a story that illustrates a point.

Be sure your anecdote is short, to the point, and relevant to your topic. This can be a very effective opener for your essay, but use it carefully.

You can also provide some background information about your topic. You can use interesting facts, quotations, or definitions of important terms you will use later in the essay. The main idea of the essay is stated in a single sentence called the thesis statement. You must limit your entire essay to the topic you have introduced in your thesis statement. A few sentences explaining your topic in general terms can lead the reader gently to your thesis. Each sentence should become gradually more specific, until you reach your thesis. If the attention grabber was only a sentence or two, add one or two more sentences that will lead the reader from your opening to your thesis statement. Finish the paragraph with your thesis statement.

Topic: Peace in the Middle East

Thesis Statement: The centuries-old conflict in the Middle East goes so deep that any “peace” will probably be temporary.

Example:

“A dog is man’s best friend.” That common saying may contain some truth, but dogs are not the only animal friends whose companionship people enjoy. For many people, a cat is their best friend. Despite what dog lovers may believe, cats make excellent house pets.

ii) Supporting Paragraphs (Body)

What are supporting paragraphs?

Supporting paragraphs make up the main body of your essay.

What do they do?

They develop the main idea of your essay.

How do you write them?

1. List the points that develop the main idea of your essay.

2. Place each supporting point in its own paragraph.

3. Develop each supporting point with facts, details and examples.

To connect your supporting paragraphs, you should use special transition words. Transition words link your paragraphs together and make your essay easier to read. Use them at the beginning and end of your paragraphs.

Examples of transition words that can help you to link your paragraphs together.

a) For listing different points

First; Second; Third

Example:

In the first place, people enjoy the companionship of cats.

In the second place, cats are civilized members of the household.

Lastly, one of the most attractive features of cats as house pets is their ease of care.

b) For counter examples

However; Even though; On the other hand; Nevertheless

c) For additional idea

Another; In addition to; Related to; Furthermore; Also

d) To show cause and effect

Therefore; Thus; As a result of; Consequently

Example:

Cats are more particular about personal cleanliness than people are. In addition, cats can be left at home alone for a few hours without fear. Unlike some pets, most cats will not destroy the furnishings when left alone.

Like all good paragraphs, each supporting paragraph should have a topic sentence, supporting sentences, and a summary sentence.

iii) Summary Paragraph

What is a summary paragraph?

The summary paragraph comes at the end of your essay after you have finished developing your ideas. The summary paragraph is often called a “conclusion”.

What does it do?

It summarises or restates the main idea of the essay. You want to leave the reader with a sense that your essay is complete.

How do you write one?

1. Restate the strongest points of your essay that support your main idea.

2. Conclude your essay by restating the main idea in different words.

3. Give your personal opinion or suggest a plan for action.

Use a summary statement rather than phrases like the following: “In summary…,” “To conclude…,” “To summarise…,” or “In closing….” These are too obvious and vague to be effective. Use a transitional phrase, which summarises a point in your essay instead.

Examples:

The benefits outweigh the dangers. Obviously. But are the numerically superior benefits worth the heavy price man has to pay? Reliance on the computer system is getting heavier by the minute in every field of activity or branch of knowledge. Is such seemingly innocuous reliance a healthy one? Wouldn’t man become a robot, losing his mental faculties gradually but surely, losing his individuality, losing his freedom? Only time can tell.

As we have seen, poverty is a known contributor to crime; therefore, it should not be discounted when considering ways to prevent crime.

B) Writing Essays

i) Prewriting Stage

The prewriting stage is when you prepare your ideas for your essay before you begin writing. Do not start writing at once. You will find it easier to write your essay if you build an outline first.

Six Prewriting Steps:

1. Think carefully about what you are going to write. Ask yourself: What question am I going to answer in this paragraph or essay? How can I best answer this question? What is the most important part of my answer? How can I make an introductory sentence (or thesis statement) from the most important part of my answer? What facts or ideas can I use to support my introductory sentence? How can I make this paragraph or essay interesting?

2. Write out your answers to the above questions. You do not need to spend a lot of time doing this; just write enough to help you remember why and how you are going to write your paragraph or essay. In a short essay, you can deal with a very few points only. It is of no use to write down a lot of things that have nothing to do with the subject. If you do so, the result will be a bad essay.

3. Write down facts that will help you to answer your question. (Make sure the facts you are writing are related to the exact question you are going to answer in your paragraph or essay.)

4. Write down your own ideas. Ask yourself: what else do I want to say about this topic? Why should people be interested in this topic? Why is this topic important?

5. Find the main idea of your paragraph or essay. Choose the most important point you are going to present. If you cannot decide which point is the most important, just choose one point and stick to it throughout your paragraph or essay.

6. Organise your facts and ideas in a way that develops your main idea. Once you have chosen the most important point of your paragraph or essay, you must find the best way to tell your reader about it. Look at the facts your have written. Look at your own ideas on the topic. Decide which facts and ideas will best support the main idea of your essay. Once you have chosen the facts and ideas you plan to use, ask yourself which order to put them in the essay.

ii) Writing Stage

The writing stage is when you turn your ideas into sentences.

Four Writing Steps:

1. For the introduction, write the thesis statement and give some background information.

2. Develop each supporting paragraph and make sure to follow the correct paragraph format.

3. Write simple sentences to express your meaning. Use simple words; be clear as well as brief.

4. Focus on the main idea of your essay.

iii) Editing Stage

The editing stage is when you check your essay for mistakes and correct them. Make sure that your handwriting is clear and legible. The examiner may not have enough time to take pains to read each and every word carefully. An illegible handwriting might only put off his interest in reading your essay even though it might be good.

Editing Steps:

a) Grammar and Spelling

1. Check your spelling

2. Check your grammar.

3. Read your essay again.

4. Make sure each sentence has a subject.

5. Make sure your subjects and verbs agree with each other.

6. Check the verb tenses of each sentence.

7. Make sure that each sentence makes sense.

b) Style and Organisation

1. Make sure your essay has an introduction, supporting paragraphs, and a summary paragraph.

2. Check that you have a thesis statement that identifies the main idea of the essay.

3. Check that all your paragraphs follow the proper paragraph format.

4. Ensure that your essay is interesting.

C) Assessment/Evaluation Criteria

One key reason for students not achieving the marks that they are aiming for when writing essays is that they do not really understand quite what their examiner is expecting them to do. Content is the main criterion for assessment, but note can also be taken of presentation.

Content is concerned with issues such as:

● Relevance of the answer to the question.

● Breadth of the essay

● Extent of background reading/knowledge.

● Understanding, structure and organization of material.

● Details of the information contained within the essay.

● Use of evidence and quality of argument.

● Critical analysis of material.

● Evidence of imagination, insight and synthesis.

● Appropriateness and accuracy of references.

Presentation is concerned with issues such as:

spelling, punctuation, grammar, writing style and legibility.


Some Essay:
                    Essay Writing - Poverty  in India
                              Essay Writing on "TV Addiction"
                             Essay Writing on  " Poverty Alleviation"

                             Essay Topics That may Be Expected 

Essay Writing - Poverty in India

Poverty is one of the main issues, attracting the attention of the economists. It indicates a condition in which a person fails to maintain a living standard adequate for a comfortable lifestyle.

India has the world's largest number of poor people living in a single country. Out of its total population of more than 1 billion, 350 to 400 million people are living below the poverty line. Nearly 75% of the poor people are in rural areas, most of them are daily wagers, landless laborers and self employed house holders. There are a number of reasons for poverty in India.

Some of the basic reasons of rural poverty in India are:

• Unequal distribution of income.

• High population growth.

• Illiteracy.

• Trespassing.

The people of India live in a very different type of society when compared to the other democratic nations of the world. The Indians are a very agricultural people and not very industrialized