The State Bank of India Circle Based Officer (SBI CBO) Exam 2025 has laid significant emphasis on the awareness of a candidate about banking knowledge, including commonly used abbreviation and industry-specific terminology. This section is only important to score well in objective test, but also play an important role during interview and descriptive paper, where the banking language shows the readiness of a candidate’s industry.
SBI CBO Exam 2025 Banking Combine and Vocabulary
Banking knowledge is a dedicated section SBI CBO 2025 Examination, carrying significant weight in selection process. To score well, candidates must be familiar with significant banking ability and vocabulary, as they are usually used in both the purpose and descriptive parts of the examination. In today’s competitive banking environment, it is necessary to understand the main brief name and concise name. They are often used in circular, reports and official communications within banking institutions. There is a detailed guide here to help you mastery in this subject.
Banking summarization for SBI PO 2025
Below is a curate list of important brief details, in which candidates should be well aware:
| Banking summarization for SBI PO 2025 | ||
| Abbreviation | full form | Use/Earth |
| reserve Bank of India | reserve Bank of India | Central banking body of india |
| SBI | state Bank of India | Largest public sector bank in India |
| Oil | National electronic fund transfer | Electronic fund transfer system |
| RTGS | Real Time Gross Settlement | Immediate large value fund transfer system |
| IMP | Immediate payment service | Real -time interbank electronic fund transfer |
| NPA | Non-performing asset | Debt or advance in default or arrears |
| Casa | Current account saving account | Low cost deposit account for banks |
| CRR | Cash reserve ratio | Percentage of banks with RBI |
| Loyal | Statutory liquidity ratio | Percentage of deposits |
| KYC | know your Customer | Customer identification process |
| IFSC | Indian financial system code | Unique code for bank branches |
| Mic | Magnetic ink varna recognition | Code for processing check |
| ATM | ATM | Self-service banking terminal |
| ECS | Electronic clearing service | Bulk payment/receipt system |
| Stuck | Fixed deposit | Deposits in a bank |
| Of | Overdraft | Class to withdraw more than account remaining |
| EMI | Equal monthly installment | Fixed payment for loan |
| BCE | Business correspondent | Bank agent for outreach in rural areas |
| PSL | Priority | Loans for areas identified by RBI as priority |
| NBFC | Non-banking financial company | Financial firm does not have banking license |
| Is i | Integrated payment interface | Real time payment system |
| Sarfausi | Rebuilding and enforcement of security and safety interest | Sarfaesi Act, 2002- All allows banks and financial institutions to recover non-performing assets (NPAs) |
| MSME | Subtle, small and medium enterprises | Businesses which are classified based on their assets and turnover |
| From | Advance rate agreement | An interest rate derived |
| Basal III | Basal agreement for international banking regulation | Internationally agreed standards for bank regulation and supervision |
| Thief | Credit Information Bureau (India) limited | Maintains records of individuals’ and credit-related activities of organizations |
| GST | goods and services Tax | Indirect tax imposed on supply of goods and services |
| IPO | initial public offering | The company goes publicly publicly by offering shares to investors |
| foreign direct investment | foreign direct investment | Investment made by a company or person from another country |
| Nabard | National agriculture and rural development bank | Development Bank focused on promoting agriculture and rural development |
Banking terminology for SBI PO 2025
With brief names, it is necessary to understand the meanings and implications of core banking words. Some frequently used banking terminology is likely to be asked in SBI CBO 2025:
Repo Rate: The rate at which the RBI pays money to commercial banks. Used to control liquidity in the economy.
Reverse repo rate: The rate at which the RBI borrows money from commercial banks.
Bank rate: The rate at which the RBI pays money to commercial banks without any security.
Check the tanks: The process of using images scanned to prevent physical movement of checks and clearance.
Swift: A network for Society for Worldwide Interbank Financial Telecommunication, International Financial Messaging.
Adhiganna: Temporary suspension of loan repayment.
credit rating: Assessment of the credit of a borrower.
Digital Banking: Banking services are distributed through digital channels such as mobile apps and internet banking.
Core Banking Solutions (CBS): Networking of bank branches to enable customers to operate their accounts from any branch.
Credit letter (LC): To guarantee a bank to ensure that a seller will receive a buyer’s payment on time.
Balan letter: A financial statement showing a bank’s assets, liabilities and equity at a specific point in time.
Removing: The gradual repayment of a loan in installments.
Capital adequacy ratio (CAR): A measure of a bank’s capital in relation to its risk-loving assets.
Securization: The process of converting illiquid assets in traditional securities.
Overdraft: A feature allows an account holder to withdraw his account more than the remaining.
Bancassurance: A partnership between a bank and an insurance company that insurance products can be sold through bank branches.
Why banking is a brief and vocabulary case
The SBI CBO exam tests them whether the candidate is comfortable with day to day banking operations and regulatory conditions. Learning them fully enhances your understanding of financial concepts and helps decod questions quickly in both objective and descriptive classes.
- Practical banking knowledge including the use of industry-specific terms and small forms has been tested in the SBI CBO examination.
- Understanding these conditions helps to answer direct questions, explain the case study and write an essay or letter in the descriptive section.
- Profession in banking language is also important for interview and on-the-world communication.
How to prepare banking and conditions
To prepare this part of SBI CBO exam, candidates need:
- Amend the official banking circular, RBI information and annual reports.
- The practice quiz is particularly brief and focused on definitions.
- Create flashcards or digital notes for daily amendment.
- Use mock tests following the exact exam pattern.
