SBI Trainee officers (TO): Exam Pattern and Syllabus

SBI Trainee officers (TO): Exam Pattern and Syllabus 

All the Public Sector Banks conduct a different exam for the promotion of clerk to Officer, and every bank has different eligibility criteria, syllabus and exam pattern for the promotion of clerk to Officer. SBI conducts internal promotional exam for the promotion of SBI clerk to SBI TO (Trainee officers) in the month of November – December. In this post we are giving you all the details regarding SBI TO eligibility criteria, syllabus and exam pattern for the SBI TO promotional exam.

      ♦Eligibility criteria

Following are the eligibility criteria that needs to be fulfilled for the promotion from SBI clerk to SBI TO (Trainee officers).

  • 3 years Experience + Jaiib and Caiib Certification
  • 4 years Experience + Jaiib Certification
  • 5 years  Experience + Without Jaiib and Caiib

♦Exam Pattern

Section I- 120 question (120 Min) No. of Qus Marks
General Awareness about Banking Environment, KYC, Legal issues 20 10
General banking, handling of customer grievance and Preventive Vigilance 20 20
Knowledge about Products & service of our bank including retail finance, our associates & subsidiaries and other banks and Financial inclusion 20 20
Knowledge of CBS and other IT products in use in the bank and IT related security concerns. 20 15
Alternate Channel Products 20 10
Latest financial results, performance indicators of the Bank and Productivity & profitability related concerns of the Bank, Organizational Structure and History 20 5


Section II (Qualifying marks 50%for general & 45% for SC./STs) Duration 30 Minutes
Writing Essay on banking related topics  (250 words) 1 out of 3 20

Qualifying marks



121 100


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♦ Syllabus

Know your Customer, PMLA ACT & FATF Guidelines
Legal Aspects of Banking & Various Acts related to Bank
Settlement of Claim of Deceased Constituents
General Banking, Cash System & Procedures and Remittances
Safe Deposit Lockers
Government Business & Financial Inclusion
Government small saving scheme
Any time Channels, Digital Banking & Other Technology
Core Banking Solution (CBS)
Risk Focused Internal Audit (RFIA)
Foreign Exchange
Non- Resident Indian (NRI) Service
Important Committees of the Bank
General Rules: Liabilities (P-segment)/ Deposit Products
Situation Analysis (Banking Problem)
General  Awareness about Banking Environment
Organizational Structure & Bank’s Financial Results
Liability (P-segment) Products/ Deposit Products
Policy Guidelines
Loan Policy
NPA Management
Home Loan: Products & Features
Auto Loan: Products & Features
Education Loan: Products & Features
Xpress Credit and Pension loan: Products & Features
Other P-segment Loan: Products & Features
SME Advances: Products & Features
Agri Advances: Products & Features
Priority Sector Lending

Note: provides SBI TO promotion exam Mock test

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