online banking essay for class 5

Essay On Bank

Essay on Bank

500+ words essay on bank.

Banks are an integral part of the modern economy. They play a major role in the economic growth and development of a country. The idea of banking evolved with the idea of money. In India, public sector banks (PSBs) have been working to provide banking services in urban and rural areas since 1970. These public sector banks account for nearly 70% of banking activity in India. With the help of this essay on banks, students will get to know the functions performed by banks and their importance for individuals and the country. To help students in improving their essay-writing skills, we have also compiled a list of CBSE Essays on different topics. By practising these essays, they can boost their writing skills and also score good marks on the English exam.

Meaning of Bank

Banks are mainly linked to depositing and lending money. In Indian society, moneylenders used to give money to people in ancient times. They charged a high rate of interest to people as there were no banks or banking systems available at that time. But, with the change in time, the banking system was introduced in India. Now, we have public sector banks and private banks.

A bank is a financial institution that deals with deposits, withdrawals and other related banking services. Bank receives money from those who want to save in the form of deposits, and it lends money to those who need it. A bank is a financial institution that works as an intermediary to accept deposits and channels those deposits into various lending activities. It does so through loans or capital markets. A bank establishes the connection between the customers who have capital surpluses and those with capital deficits. In India, all banks operate under the guidelines of the Reserve Bank of India, which is known as the banker’s bank.

Functions of Bank

Banking is the lifeline of the modern economy. It has played a very important role in the economic development of all the nations of the world. We can not think of modern commerce without banking. Banking is a business which seeks profits like any other business. The banking business mainly constitutes borrowing and lending as their basic functions. Now, banks are providing many other services to people, such as net banking, online shopping, mobile banking, granting loans and advances, short-term credit, pension payments, acting as a dealer in foreign currency etc. A common person can safely deposit their money in the banks.

How Important are Banks for Development?

Banks are the most important financial pillars. They play a vital role in the economic development of a country. The financing requirements of industries, trades, agriculture and other business are met with the help of banks. Therefore, if the banking system of a country becomes strong, then the development of the country will also be at a faster rate. In today’s economy, banks are not only dealing with money, but they are also contributing to the development of the nation. They play a crucial role in the disbursement of credit and the mobilisation of deposits to various sectors of the economy. Banks also represent the economic health of the country. The strength of a nation’s economy depends on the strength of the financial system, which depends on the banking system.

In India, banks play a crucial role in the social and economic growth of the country after independence. The banking sector in India accounts for more than half the assets of the financial sector. The Indian banks have shown much growth after the implementation of financial sector reforms.

Banks are the backbone of any country’s economy. They are responsible for running the economy and controlling the price of the markets. They perform various important functions. However, there are default NPAs, cases of corruption and security threat-related issues, but these can be resolved by implementing strict laws and rules by the government.

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Essay on Bank | Bank Essay for Students and Children in English

February 13, 2024 by Prasanna

Essay on Bank: Banks are financial institutions that provide a loan or save customer’s money. The term ‘Bank’ is derived from the word ‘Banc’ or ‘Banque,’ which means a bench upon which the ancient day financiers would display their coins or transact their business in the market space.

Banks are an elemental part of society. Banks are located in different parts of the country and deal directly with the general public. They provide multiple services on customer-based requirements and provide lockers, ATM Services, money transfer, loans for houses and businesses, and several other monetary services.

Thus, Bank (s)provides primary monetary services that boost the economic development of the country.

You can read more Essay Writing about articles, events, people, sports, technology many more.

Long and Short Essay on Bank for Students and Kids in English

We have mentioned two essays- a 500 words Long Essay and a 200 words Short Essay. The extended essay on Bank consists of 400-500 words. The Long essay provides a framework that helps students with their competitive exams and assignments. The short essay on Bank is written for 200 words and is suitable for children and kids with their classwork.

Long Essay On Bank 500 Words in English

Given below is an extended essay on Bank for aspirants of competitive exam and students belonging to classes 6,7,8,9, and 10. The Bank essay helps the students with their class assignments, comprehension tasks, and even for competitive examinations.

A bank is a licensed monetary institution to make loans and receive or deposit money. It provides financial services such as safe deposit boxes, wealth management, and currency exchange.

The inception of a Bank/Banking system in India goes back to the Vedic civilization. Loans were given to those in need and were then known to be the name ‘rnalekhya or rnapatra.’ As time evolved, Big merchants and business people started bidding interests on loans to farmers and small traders and the unpayable assets were confiscated.

The first Bank established in India was the Bank of Hindustan at Calcutta in the year 1770. This was followed the start of other banks such as Bank of Calcutta, Bank of Madras, and Bank of Bombay in the early 19th century.

Classifications of a Bank

Commercial Bank: Theses may be government-owned or a private bank. There are 20 major commercial banks
Industrial or Investment Banks: These banks provide long-term loans or other features to any industrial concerns.
Exchange Banks: These banks deal with the foreign exchange of currencies. A few Indian commercial banks also handle foreign currency exchange deals.
Co-operative Banks: These are set-up regarding small-scale industries and farmer’s concern. Co-operative banks are subcategorized as Central Co-operative Banks and State Co-operative Banks.
Land Mortage Banks: These banks provide loan-term debentures to agriculturalists and farmers.
Central banks: This Bank occupies the central position in the country and is the financial market’s statutory body.
Saving Banks : these banks promote savings scheme among the middle-class families. However, the savings accounts are monitored by the commercial banks in India.
Indigenous banks: These lend money and finance the country’s internal trade.
Regional Rural Banks: Theses banks are set-up by the central government for the economic development of rural regions. The commercial banks sponsor these banks.

Functions of a Bank

The essential function of a bank is to receive deposits. Theses deposits are received as fixed deposits- which have a limited time frame, current deposits- require no interests and are framed mainly for business people and savings bank deposits to encourage savings with a 5 percent interest rate.

Another primary function of a bank is to lend money through cash credits or loans, overdrafts, or discounting bills. The banks usually charge a higher interest rate while giving money.

The banks also perform various agency functions that provide services such as remitting funds, sell and purchase shares and bonds, collect and paycheck bills, subscriptions, rents, etc.

Importance of a Bank

A bank helps people cultivate the habit of saving and provides safe custody. It collects bills, drafts, cheques, and grants credit facilities and loans to people. It facilitates making payments and secures the overdrafts and loans.

A bank also provides safe custody of valuables such as deeds, ornaments, documents, jewels, etc. It also sells and purchases stocks, shares, etc. A bank is essential as it provides Credit information and a Letter of Credit and acts as representatives and makes correspondence.

Top 10 Indian Banks

Bank of Baroda
Punjab National Bank
Canara Bank
Bank of India

Thus, a bank forms an integral part of society and is a critical factor that boosts economic development in the country.

Short Essay on Bank 200 Words in English

The 200 words short essay mentioned below is suitable for kids and children up to 6th standard. The essay is written to guide the children with their school works-assignments and comprehension exercises.

A bank is a financial institution that provides funds based on credits to firms or individuals and accepts money deposits from the general public. A bank offers various functions such as transfer of funds, issuance of drafts, locker facility, portfolio management, etc. The first established Indian Bank is the Bank of Hindustan, located at Calcutta in 1770.

There are different types of functioning banks, such as Retail banks, national banks, investment banks, savings banks, co-operative banks, commercial banks, land mortgage banks, exchange banks, industrial banks, and consumer banks.

A bank provides multiple functions such as eases trade and commerce, promote agricultural sectors, ensure safe deposits, aids industrial developments, provides employment, and encourages saving habits.

A bank plays a vital role in the economic development of a country as it removes the deficiency of capital and encourages investment and savings. It resembles all the savings of society and makes it available for investment.

There are a total of 34 functioning banks in India; out of 12 banks are public sector banks, and the remaining 22 banks are private sector banks. The Top ten banks include

In short, Indian banks play an essential role in boosting the economic development of a country. It mobilizes the financial resources and flow of money in a society.

10 Lines on Bank Essay

Banks are government certified financial institutions that lend or receive money deposits.
The Bank of Hindustan was the first Bank to be established in 1770 at Calcutta, while the State Bank of India, established in 1906, is the oldest functioning Bank.
Banks provide long and short term loans to individuals and corporate firms.
The Reserve Bank of India is a central monetary that controls and regulates the entire banking system- circulation of currency and credit.
India comprises 34 functioning banks, out of which 12 are public sector banks, and the remaining 22 are private sector banks.
There are multiple divisions in banks. However, the two primary classifications of a bank are Investment Banks and Commercial/Retail Banks.
The primary purpose of a bank is to provide consumers with ease of financial issues.
A bank plays a significant role in the economic development of a country. It aids in the removal of the deficiency of capital and encourages investment and savings.
A bank also performs other services such as remitting funds, sell and purchase shares and bonds, collect and paycheck bills, subscriptions, rents, etc.
The Bank acts as the lifeline of any economy and is significant for the development of a country.

FAQ’ On Bank Essay

Question 1. State the significant functions of a bank?

Answer: A bank’s primary function includes cash credits, overdrafts, discounting bills, granting loans, and accepting deposits. While their secondary duties include providing consumer finance, safe deposit for valuables, issues letter of credit, educational loans, etc.

Question 2. Which is the first Indian Bank?

Answer: The first Bank to be established in India was the Bank of Hindustan in 1770 at Calcutta.

Question 3. State the various types of banks?

Answer: A bank is classified as national banks, investment banks, retail banks, savings banks, industrial banks, co-operative banks, commercial banks, exchange banks, consumer banks, and land mortgage banks.

Question 4. Name the top ten Indian banks?

Answer: HDFC Bank, Axis Bank, IDFC Bank, SBI, Bank of Baroda, Punjab National Bank, ICICI Bank, Canara Bank, IDBI Bank, and Bank of India.

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EssayBanyan.com – Collections of Essay for Students of all Class in English

Essay on Bank

All of us have seen a bank and most probably have also visited them. But very few of us know about their types and all of their functions. I have brought these essays containing all the details about a bank and will also help you in wiring your essays.

Short and Long Essays on Bank in English

Essay on Bank for students of class 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and class 12 in English in 100, 150, 200, 250, 300, 500 words. Also find short Bank essay 10 lines.

Bank Essay 10 Lines (100 – 150 Words)

1) Banks are the place where people keep their money.

2) Works related to money like loans, transactions, etc are done in banks.

3) In 16 th to 19 th centuries, modern banks came into existence.

4) Banks keep our money, ornaments, important papers, etc safe.

5) The loan facility of banks provides great help to the people.

6) There are many government and private banks in India.

7) In India all the banks are controlled and managed by the Reserve Bank of India (RBI).

8) Banking sector employs a huge population.

9) The first bank of India was the Bank of Calcutta which was later named as State Bank of India.

10) Today internet and technology have made banking easier.

Essay 1 (250 Words) – Bank

Introduction

Banks are the places where we keep our money or do all our money-related work. Either it is getting a loan or something else. This type of place has been addressed as a bank. Although the word has various meanings, all of them mean the same. It is a place where you feel relaxed. When we are in pressure or have to solve some money-related problems we visit a bank.

How Banks Came into Existence

The existence of a bank was seen for the first time in Mesopotamia in 8000 BC. The evidence of bank and temples were seen in this civilization. These banks were not made for lending money because the money came afterword. These banks were made for lending seeds and agricultural stuff. They also used to keep records of trading.

Modern banking came into existence between the 17th to 19th centuries. It is said that Goldsmiths were the first bankers and they use to lend money to people and people use to keep their valuable things near goldsmiths.

The first-ever bank which offered bank noted was the Bank of England. It further developed and today we have well-established banks. We also have ATMs and Credit cards, etc. All these things have made banking easy.

Everything established in this world slowly. Either it was a man or a bank. Things develop and progress as per time. Today things seem so simple to us but they were not so simple and easy years before. A bank is one of the best examples which show development and change in society.

Essay 2 (400 Words) – Bank and Its Importance

Banks are denoted as one of the most important pillars of our economy. People keep their savings in these banks and this helps our nation to progress. Banks help people in various ways; they lend money for different work. Like if you have to buy a house, a car, even a laptop, banks give us money on certain interests and we can easily pay it in different instalments. Apart from this, there are many more uses of a bank.

Importance of Banks

Banks are important and useful in many ways and I have mentioned some of the most important uses below;

Provides Safety

We feel safe when we keep our money in a bank. Not only money people also keep other valuable things in banks like ornaments, important papers, etc. They provide overall security and many of our parents really feel thankful that they can safely keep their money somewhere. It will be not wrong if I say that we sleep peacefully because we have banks to protect us.

Saves our Money

It is a human tendency that if we have money in our pocket, we will definitely spend it. Whereas if they are in a bank, we feel a bit lazy to use and also banks provide interesting profits and sometimes they also double your money in some schemes. This saves our money and we develop a good bank balance.

Develops Employment

There are more than thousands of employees working in a particular bank and there are 34 banks and all of them have more than 3 branches in a particular city. They are also available in villages, really one of the hottest sectors which provide employment. Many of us just love to be a part of a bank because it is a reputed job.

Provides Loan Facilities

It was a time when people use to help each other and families use to do everything for their near and dear ones. But time has changed how people live in nuclear families and they do not have many contacts. People in cities hail from different places as a result they won’t trust. Then who will help you financially, who will trust you and give you some money when you need it. It is a bank which provides loan and helps you financially.

Banks are important parts of our life and have become very necessary for us. We can’t imagine a society without a bank. We can’t trust others, but we can trust a bank and they are our true friends who never ditch us and also protect our money.

Essay 3 (500 – 600 Words) – Types of Banks

We go to school for education, we visit a temple for prayer similarly there is a place where we visit to solve our money-related problems. We save our money, valuable things and also get a loan. A one-stop solution for all types of money related problems. There are many banks in India and some of them are government whereas some of them are private. All of them do the same job and help people in different ways.

The First Bank

Banca Monte dei Paschi di Siena or Berenberg Bank holds the credit of the world’s oldest bank and it was established in the year 1624.

Whereas Bank of Calcutta was the first bank of India established in the year 1806. The name was further changed as Bank of Bengal and also today known as SBI.

Types of Banks:

Banks are of different types some help people in their agricultural problems whereas some help us in our day-to-day problems. I have defined them below;

Central Banks

Banks that are controlled by legislative bodies are central banks. It can be a central bank or reserve bank. We can also state them as the main bank which decides the interest rates as per inflation in the country. They are not only a bank but they also keep an eye on other banks and controls the overall money supply. They also take care of any kind of foreign exchange as well as government bonds. We can call them as the head of all banks.

Commercial Banks

A bank, that is, specially designed for the development of business. They provide loans and some business benefiting offers. They especially support middle to big size business.

Retail Banks

Another name of Retail bank is consumer bank; these banks provide all kinds of facilities to costumers. They won’t lend money to companies or other institutions. People save their money in these banks and they have their easy access to their accounts. They can take or deposit money whenever they want. They provide credit cards, debit cards, ATM facilities, etc to the customer.

Private Banks

Private Banks are also banks having people with personal profits. They provide all facilities like other retail banks just they are not authorized by government agencies. Although the government has an eye on every bank they have very few shares owned by government sectors.

Online Banks

Online banking or internet banking is one of the most convenient forms of banking. They are easily available where ever you want on your fingertips. It is also termed as virtual banking and is a branch of banking. Digital transactions are specially used in this mode of banking and it is most popular these days.

Savings Bank

That bank where we simply deposit our money and they provide us with some interest in our money is saving bank.

Regional Rural Bank

These banks are specially designed for people living in rural areas. They are commercial banks but they are operated at the regional level. They provide all kinds of financial facilities to people living in that area and work for their betterment.

Banks are the basic structures of our economy; they are very helpful in developing a nation. They secure our money and also invest that money in other sectors and generate new income. Really banks are very important and they also help normal people in developing a new business or even buying a house. They have multiple uses and they are available everywhere. We can easily find ATMs and have our money whenever needed.

FAQs: Frequently Asked Questions

Ans . There are 12 public sector banks in India after the merge of smaller banks into larger ones.

Ans . The State Bank of India is the largest public sector bank in India.

Ans . IndusInd Bank, originated in 1994, is the India’s first private bank.

Ans . The ICICI bank is now partnered with PhonePe for UPI transactions.

Ans . The first governor of Reserve Bank of India was Osborne Smith.

Ans . The ICICI bank has recently started the Whatsapp banking services.

Ans . The best bank in India is HDFC bank.

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Essay on Bank in English for Children and Students

Table of Contents

Banks are financial institutions that deal in monetary transactions. Banks form an integral part of any society. There are numerous banks located in different parts of our country. While earlier there were limited number of banks with a few branches in big cities and towns in India, a number of new banks have opened in the last few decades with branches in every nook and corner of the country. Banks provide a lot of services based on the customer’s requirements. They provide locker facilities, safe deposits, ATM Services, Fixed Deposits, money transfer, loan for business and houses and several other monetary services to their customers.

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Long and Short Essay on Bank in English

Here are essay on Bank in English of varied lengths to help you with the topic whenever you required.

After going through these Bank essay, your knowledge about banks, their functioning and their usefulness will enhance and you will emerge as a knowledgeable person.

These essays will prove useful in your school or college assignments, especially for students of commerce or banking.

You can select any bank essay of your choice given below:

Bank Essay 1 (200 words)

The banking system that involves accepting deposits and lending money initiated centuries back in various parts of the world. The system improvised over the time and the banks these days offer various other facilities in addition to the basic depositing and lending of money.

People are encouraged to keep their money in the banks because it is a safe and secure way to store the money. The money stored in the bank in the form of fixed deposits and recurring deposits also fetches a good amount of interest. In addition to money, one can also keep jewellery and important papers in the bank lockers.

Providing loans, which is another primary function of the banks, is also beneficial for individuals and businesses in many ways. Salaried people can build their assets such as property, car, etc easily with the help of loans from the bank. Businessmen can expand their businesses with this facility. A number of other services are also provided to the businessmen to ease their financial transactions and aid in the growth of their business.

Online Banking has further enhanced the process of banking. Various banking services such as checking balance, transferring amount, applying for loan are now provided on the bank’s website. All the customers require doing is opting for internet banking service.

Bank Essay 2 (300 words)

Introduction

Banking system has been in place since centuries. The system has been prevalent in India as well as other parts of the world. Only the services provided and the functions carried out have enhanced over the time.

History of Banks

Banking service began back in the 14 th century in some parts of Renaissance Italy. It was initiated on the lines of the concept of lending and borrowing that took place among people since the ancient era. In the ancient times, the merchants gave grain loans to the traders and farmers. This was called the barter system. Over the time the system evolved to accepting deposits and lending money.

The Fuggers, the Medicis, the Berenbergs, the Rothschilds are among some of the banking dynasties that are known to play a central role in the history of banking. They dominated this sector for centuries. Modern banking services such as issuance of banknotes and reserve banking started in the 17 th century. Bank of England and The Royal Bank of Scotland are some of the oldest banks in the world.

History of Banks in India

In India, the banking system dates back to the Vedic civilization. Loans were given to the needy in that era too only the nitty-gritty’s involved in the same were different. Loans deeds in that period were known by the name rnalekhya or rnapatra.

Big businessmen and landlords gave money to the small traders and farmers on interest in the earlier times. This culture is still prevalent in some villages in the country. The lands or other valuable assets of those who were unable to pay the amount were confiscated just as the banks do these days.

The first bank established in India was the Bank of Hindustan. It was opened in the year 1770 in Calcutta. Bank of Bombay, Bank of Calcutta and Bank of Madras were set up later in the early 19 th century.

There are numerous types of banks in every country to cater to the needs of different customers. They provide various services and aid in the growth of the country’s economy.

Bank Essay 3 (400 words)

A bank is an institution that accepts money deposits from the public and provides funds on credit to individuals as well as firms. These are the primary functions of a bank but not the only functions. They provide various other services to its customers such as locker facility, transfer of funds, issuance of drafts and portfolio management to name a few.

Importance of Banks

Banks are important for the individuals as well as the development of the country’s economy. Here is why these institutions are of importance:

Provides Safety and Security

Money kept at home is not safe. It is prone to burglary. When you keep your money in the bank, it is the bank’s responsibility to safeguard it. You do not have to worry about its security.

Encourages Saving Habits

Banks offer various schemes from time to time to encourage saving habits in people. The money put in the bank is not only saved but also grows. You have the option of withdrawing it any time you want.

Eases Trade and Commerce

Banks promote trade within the country by providing loans and advances to the traders. It also eases the process of trading between different countries. They provide easy money transaction options to smoothen the process. It is easy to send and receive funds from anywhere with the advancement in the banking system.

Promotes Agricultural Sector

Agricultural sector is an important part of the economy. There are special banks that provide loans to the farmers at low interest to promote agricultural activities. Banks thus aid in promoting the agricultural sector.

Aids in Development of Industries

Banks accept deposits from individuals and businesses and provide loads to the industries. They thus aid in the development of various industries in this way. The loan can be repaid in easy instalments.

Provides Employment Opportunities

Banks provide loans for the growth and development of the agricultural and industrial sectors. As these sectors expand, a number of employment opportunities are created for the public.

Banks are an important part of any country. The modern banking services have helped in easing the process of trade, development of industries and other activities that help in the development of the country’s economy. Banks and other financial institutions that promote the growth of businesses and safeguard the money and other valuable assets of individuals are certainly play an integral role in the development of a country’s economy.

Bank Essay 4 (500 words)

Banks play an important role in maintaining financial stability in the country. They offer numerous services to help you manage your finances better. These institutions thus form a vital part of any society.

Functions of Banks

The functions of banks have broadly been classified into two categories. These are the primary functions and the secondary functions. Here is a look at these in detail:

Primary Functions

Primary functions are the main functions of the banks. These include accepting deposits and providing loans. Here is a brief look at these functions:

Accepting Deposits

These deposits are basically of four different types:

Saving Deposits: These deposits encourage public to save money. The money can easily be withdrawn and deposited in the saving account without much restriction. The interest rate here is however quite low.

Current Deposits: This account is especially for the businessmen. These accounts offer facilities such as overdraft that are beneficial for the businesses. No interest is paid in this account.

Fixed Deposits: In a fixed deposit a considerable big amount is deposited in the account for a fixed period of time. The rate of interest is high in such deposits.

Recurring Deposits: A certain amount is deposited at regular intervals in such an account. The rate of interest is high. However, the amount cannot be withdrawn before a certain period.

Providing Loans

Here are the types of loans and advances offered by the banks:

Loans: Loans are offered for both short term and long term period. The rate of interest charged on the same varies based on the type and duration of loan. It can be repaid in instalments.

Cash Credits: The customers have the facility to take cash credit up to a certain amount which is fixed in advanced. A separate cash credit account needs to be maintained for this.

Overdraft: This facility is for businessmen. It is thus provided to the current account holders. They do not require maintaining a separate account to avail this facility.

Secondary Functions

Secondary functions, also known as non-banking functions, are of two types. These are agency functions and general utility functions. Here is a brief look at both these types of functions:

Agency Functions

The bank also acts as an agent for its customers. A number of agency functions are performed by this institution. These include collection of cheques, periodic payments, portfolio management, periodic collections and transfer of funds. Banks also act as executors, administrators, advisors and trustees for their customers. They help their customers deal with other institutions.

General Utility Functions

Banks also perform general utility functions that include providing locker facility, underwriting of shares, dealing in foreign exchange, issuance of drafts and letter of credits, drafting project reports, undertaking social welfare programmes such as public welfare campaigns and adult literacy programmes.

Discounting of bill of exchange is another service provided under this.

While initially the functions of banks only included accepting deposits and providing loans; they have started providing various other services now. All these facilities are aimed at helping the customers with their finances.

Bank Essay 5 (600 words)

Banks are financial institutions that lend money and accept deposits from general public. Banks maintain the flow of money in the country and are important for its economic growth. There are different types of banks that offer different kinds of services to individuals as well as businesses.

Types of Banks

Here are the various types of banks and their functions:

National Banks

Also known by the name, Central or Federal bank, these banks manage the financial system of the government. These non-profit making institutes serve as bankers to the other banks. There is one Central bank in every country. Some of the functions of National banks include supervising foreign exchange, controlling the country’s currency and issuance of paper currency. They do not deal with the general public.

Retail Banks

These are the most common types of banks. These are mainly set up to focus on the requirements of the general public. They open your savings account, provide credit cards, give loans and provide locker facility among other services.

Saving Banks

These are especially established to inculcate the habit of saving money among the people. The deposits from the customers are turned into securities and bonds in these banks. These were set up way back in the 18 th century in European countries. Besides, accepting deposits from individuals these banks offer various other services too.

Commercial Banks

The main aim of these banks is to aid the business class. They provide loans to the businessmen and also provide other services that are useful for the business men. Some of these services include bill of exchange, overdraft and cheque collection.

Investment Banks

These banks are also set up to aid the businesses. These banks help the businessmen establish a foothold in the financial markets. Investment banks facilitate those businessmen who require selling debt to the investors or want to go public with their business.

Land Mortgage Banks

Also known as agricultural banks or Land Development banks, these are mainly set up to aid the agricultural sector by financing it. These banks also play an important part in land development. The reason why this special category of banks has come into being is that there is a lot of risk in financing the agricultural sector and the commercial banks that support other businesses are not ready to take such risk.

Co-operative Banks

Co-operative banks provide loans to small-scale farmers, small-scale businesses and salaried people. They provide both commercial and retail services to people. These banks are registered under Co-operative Societies Act, 1912.

Consumer Banks

These banks have exclusively been set up to provide loan for purchasing durable consumer goods such as car, washing machine, refrigerator, furniture, etc. These banks give their consumers the leverage to repay loans in easy instalments. These are mostly found in first world countries.

Industrial Banks

Also known by the name Development Banks, these banks are established to aid the industrial sector. These banks accept cash by issuing shares and debentures. They provide long-term loan to the industries to help them expand and develop. Many such banks have been established in the country post independence.

Exchange Banks

These banks are particularly engaged in financing foreign trade. Some of the main functions of these banks include discounting foreign bills, purchasing and selling silver and gold and providing assistance in carrying out export and import trade.

Banks are established to ease the financial issues of the general public as well as the country as a whole. Different types of banks serve different purposes and have been set up to cater to the needs of various classes.

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Essay on Financial Literacy for Students and Children

Importance of financial literacy, an introduction to financial literacy.

We go to schools, colleges, universities to complete our educated and start earning our livelihood. We take up jobs, practise professions or start our own businesses so that we can earn money to make our living. But which of these institutions make us capable of managing our own hard-earned money? Probably a very few of them.

Our ability to effectively manage our money by drawing systematic budgets, paying off our debts, making buying and selling decisions and ultimately becoming financially self-sustainable is known as financial literacy.

Financial literacy is knowing the basic financial management principles and applying them in our day-to-day life.

Financial Literacy – What does it Involve?

From simple practices like keeping a track of our expenses and understanding the need to spend money if we like a product to striking a balance between the value of time saved and money lost, paying our taxes and filing of tax returns, finalizing the property deals, etc – everything becomes a part of financial literacy.

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As human beings, we are not expected to know the nitty-gritty of financial management. But managing our own money in a way that it does not affect us and our family in a negative way is important. We certainly do not want to end up having a day with no money at hand and hunger in our stomach.

Why is Financial Literacy so Important?

Financial literacy can enable an individual to build up a budgetary guide to distinguish what he buys, what he spends, and what he owes. This subject additionally influences entrepreneurs, who incredibly add to financial development and strength of our economy.

Financial literacy helps people in becoming independent and self-sufficient. It empowers you with basic knowledge of investment options, financial markets, capital budgeting, etc.

Understanding your money mitigates the danger of facing a fraud-like situation. A few strategies are anything but difficult to accept, particularly when they’re originating from somebody who is by all accounts learned and planned. Basic knowledge of financial literacy will help people with foreseeing the risks and argue/justify with anyone learned and well-informed.

What should you read on / get informed about in Financial Literacy?

Budgeting and techniques of budgeting
Direct and indirect taxation system
Direct tax slabs
Income and expense tracking
Loans and debt – EMI management
Interest rate systems: fixed versus floating
Business and organisational transaction studies
Elementary Book-keeping and Accountancy
Cash in-flow and out-flow Statements
Investment & personal finance management
Asset management:
Business negotiation skills and techniques
Make or buy decision-making
Financial markets
Capital structure – owner’s funds and borrowed funds
Fundamentals of Risk Management
Microeconomics and Macroeconomics fundamentals

While there are various media to learn about financial literacy, we recommend that you join a short-term, weekend programme which helps you get financially literate.

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Essay on Bank

Long and Short Essay on Bank in English

Here are essay on Bank in English of varied lengths to help you with the topic whenever you required.

After going through these Bank essay, your knowledge about banks, their functioning and their usefulness will enhance and you will emerge as a knowledgeable person.

These essays will prove useful in your school or college assignments, especially for students of commerce or banking.

You can select any bank essay of your choice given below:

Bank Essay 1 (200 words)

Bank Essay 2 (300 words)

Introduction

History of Banks

History of Banks in India

There are numerous types of banks in every country to cater to the needs of different customers. They provide various services and aid in the growth of the country’s economy.

Bank Essay 3 (400 words)

Importance of Banks

Banks are important for the individuals as well as the development of the country’s economy. Here is why these institutions are of importance:

Provides Safety and Security

Money kept at home is not safe. It is prone to burglary. When you keep your money in the bank, it is the bank’s responsibility to safeguard it. You do not have to worry about its security.

Encourages Saving Habits

Eases Trade and Commerce

Promotes Agricultural Sector

Aids in Development of Industries

Provides Employment Opportunities

Banks provide loans for the growth and development of the agricultural and industrial sectors. As these sectors expand, a number of employment opportunities are created for the public.

Bank Essay 4 (500 words)

Functions of Banks

The functions of banks have broadly been classified into two categories. These are the primary functions and the secondary functions. Here is a look at these in detail:

Primary Functions

Primary functions are the main functions of the banks. These include accepting deposits and providing loans. Here is a brief look at these functions:

Accepting Deposits

These deposits are basically of four different types:

Current Deposits: This account is especially for the businessmen. These accounts offer facilities such as overdraft that are beneficial for the businesses. No interest is paid in this account.

Fixed Deposits: In a fixed deposit a considerable big amount is deposited in the account for a fixed period of time. The rate of interest is high in such deposits.

Recurring Deposits: A certain amount is deposited at regular intervals in such an account. The rate of interest is high. However, the amount cannot be withdrawn before a certain period.

Providing Loans

Here are the types of loans and advances offered by the banks:

Loans: Loans are offered for both short term and long term period. The rate of interest charged on the same varies based on the type and duration of loan. It can be repaid in instalments.

Cash Credits: The customers have the facility to take cash credit up to a certain amount which is fixed in advanced. A separate cash credit account needs to be maintained for this.

Overdraft: This facility is for businessmen. It is thus provided to the current account holders. They do not require maintaining a separate account to avail this facility.

Secondary Functions

Secondary functions, also known as non-banking functions, are of two types. These are agency functions and general utility functions. Here is a brief look at both these types of functions:

Agency Functions

General Utility Functions

Discounting of bill of exchange is another service provided under this.

Bank Essay 5 (600 words)

Types of Banks

Here are the various types of banks and their functions:

National Banks

Retail Banks

Saving Banks

Commercial Banks

Investment Banks

Land Mortgage Banks

Co-operative Banks

Consumer Banks

Industrial Banks

Exchange Banks

Money essay, music essay, importance of education essay, education essay, newspaper essay, my hobby essay.

Essay on Internet Banking

In this essay we will discuss about Internet Banking. After reading this essay you will learn about: 1. Meaning of Internet Banking 2. Objectives and Drivers of Internet Banking 3. Trends in India 4. Facilities Available 5. Emerging Challenges 6. Main Concerns 7. Strategies to be Adopted by Indian Banks.

Essay on the Strategies to be Adopted by Indian Banks for Introducing Internet Banking

Essay # 1. Meaning of Internet Banking :

With the growth of internet and wireless communication technologies, telecommunications etc. in recent years, the structure and nature of banking and financial services have gone for a sea change. Internet banking or e-banking is the latest in this series of technological wonders in the recent past which involves use of internet for delivery of banking products and services.

Even the Morgan Stanley Dean Witter Internet Research emphasised that web is more important for retail financial services than that for many other industries. Internet banking or e-banking is changing the banking and its structure and is having major effects on banking relationships.

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Banking activity is now no longer confined to the branches where a customer has to approach the branch in person, for withdrawing cash or deposit a cheque or request for a statement of Accounts.

In accessing a true internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Thus providing Internet banking is gradually becoming a “need to have” than a “nice to have” service.

The net banking is, therefore, more of a norm rather than an exception in many developed countries because it is the cheapest way of providing banking services. Under this system, online banking is possible where every bank customer is provided with a personal identification number (PIN) for making online transactions with the bank through internet connections.

Internet banking or e-banking falls into four main categories, from Level 1—minimum functionality sites that offer only access to deposit account data—to level 4 sites highly sophisticated offering, enabling integrated sales of additional products and access to other financial services—such as investment and insurance.

In other works, a successful internet banking solution offers:

1. Exceptional rates on savings, CDs and IRAs.

2. Checking Account with no monthly fee, free bill payment and rebates on ATM surcharges.

3. Credit card facilities with low rates.

4. Easy online applications for all accounts including personal loans and mortgages.

5. 24-hour account access.

6. Quality customary service with personal attention.

Essay # 2. Objectives and Drivers of Internet Banking :

The internet has developed level playing field and thereby afforded open access to customers in the global market-place. Internet banking is a cost-effective delivery channel for the modernized financial institutions.

In this system, consumers are embracing many benefits of e-banking. To have access to one’s accounts at any time and from any location through world wide web (www) is a convenient practice, which was unknown a short time ago.

Thus, a bank’s internet presence transforms from ‘brochure/ware’ status to ‘internet banking’ status once the bank goes through a technology integration effort so as to enable its customer to access information about his or her specific account details.

Following are the six primary objectives or drivers of internet banking:

1. To improve customer access.

2. To facilitate the offering of more services.

3. To increase customer loyalty.

4. To attract large number of customers.

5. To provide cost-effective services offered by competitors.

6. To reduce customer attrition.

Keeping objectives in mind, the internet banking facilities has been progressing at a rapid pace throughout the world.

Essay # 3. Trends of Internet Banking in India :

In India, initially a beginning was made in internet banking only in some big cities which was just in rudimentary stage. After getting initial success, the internet banking facility is gradually being expanded in all cities and towns to make the system popular.

The banking industry in India is also facing unprecedented competition from non-traditional banking institutions which are now a day’s offering banking and financial services over the Internet. The deregulation of the banking industry along with emergence of new technologies are enabling the new competitors in the banking sector to enter the financial services market quite efficiently and quickly.

Core or Anywhere Banking:

In order to support internet banking facilities another new concept of banking i.e., core or anywhere banking is introduced. Initially introduced by the foreign banks, the same concept in new increasingly adopted by public sector banks and also the private sector banks.

Under this concept of banking, bank customers who have an account with any select branch can easily operate his account from different designated branches on the bank spread throughout the country.

Under this system, a customer can avail cash withdrawal, cash deposit, transfer of funds, inter-city and intra-city transactions, collection of draft and cheques etc. facilities from any of such designated branches conveniently irrespective of its locations.

Core banking concept has improved the standard of the banking services with the help of modern technology. In present times, most of the public sector banks have already adopted this concept and started extending these facilities to its customers gradually by including more and more of its important branches under this category.

Progress of Internet Banking:

In India, internet banking is gradually being developed throughout the country.

As per the recent study it is observed that:

(a) A number of banks have already adopted internet banking and are offering varied kind of services through it,

(b) These internet sites generally offer only most of the basic services. Only 50 per cent are known as ‘entry level’ sites offering little more than company information’s and basic marketing materials and 10 per cent are offering ‘advanced transactions’ such as online funds transfer, transactions and cash management services etc.; and

(c) Most of the foreign and private banks in India are much advanced in terms of the number of sites and their level of development in terms of rendering advanced technology linked services to its customers. Recently, an authority of ICICI Bank observed, “Our Internet banking base has been growing at an exponential pace over the last few years. Currently around 78 per cent of the bank’s customer base is registered for Internet banking.”

Security Precautions :

In order to make their bank account safe, one should follow certain security precautions. Customer should never share personal information like PIN number, passwords etc. with anyone, including employees of the bank. It is important that documents that contain confidential information are safeguarded. PIN or password should be changed immediately and memorized before destroying the mailers.

Customers are also advised not to provide sensitive account-related information over unsecured e-mails or over the phone. He must take simple precautions like changing the ATM, PIN and online login and transaction passwords on a regular basis. It is also important to ensure that the logged in session is properly signed out.

Essay # 4. Facilities Available Under Internet Banking in India:

Following facilities are made available for customers under internet banking in India:

(i) Bill Payment Service:

Bill payment service is a utility service of internet banking. Accordingly, each bank has tie-ups with various utility companies, service providers, insurance companies across the country. Such tie-ups can facilitate online payment of bills of electricity, telephone, mobile phone, credit card, insurance premium bills etc.

In order to make online payment of bills, a simple one-time registration for each bills has to be made and a standing instruction has to be made to make online payment of recurring bills automatically. Most interestingly, the bank usually does not charge customers for such online bill payment.

(ii) Fund Transfer:

Internet banking has made provision for transfer of any amount of fund from one account to another of the same or any other bank. Accordingly, customers can send money anywhere in India. Once a customer logs in his account, he needs to mention the payee’s account number, his bank and the branch. The transfer will take place in a day or so, whereas in a traditional method it takes about three to four working days. ICICI Bank recently reported that its online bill payment and fund transfer facility have been most popular online services.

(iii) Credit Card Customers:

Internet banking provides the facility of credit card to its customers. With internet banking, customers can not only pay their credit card bills online but also gets a loan on their cards. Not just this, they can also apply for an additional card, request a credit line increase and in case the card is lost, one can report lost card online.

(iv) Railway Pass and Online Booking:

Through Internet banking facility to issue Railway pass is also available. Indian Railways has tied up with ICICI bank for this purpose and one can now make railway pass for local trains online. The pass can be delivered to the customer at his doorstep. Initially, the facility was limited to Mumbai, Thane, Nashik, Surat and Pune. The bank would just charge Rs 10 + 12.24 per cent of service tax. Moreover, online booking of e-tickets of Railways, Airlines etc. can also be made with some arrangement with banks through Internet banking.

(v) Investing through Internet Banking:

Through Internet banking, opening a fixed deposit account has become easier. A customer can now open an FD account online through funds transfer. Online banking can also be a great friend for lazy investors. Moreover, investors with interlinked de-mat account and bank account can easily trade in the stock market and the amount will be automatically debited from their respective bank accounts and the shares will be credited in their de-mat account.

Besides, some banks provide its customers the facility to purchase mutual funds directly from the online banking system. Nowadays, most leading banks offer both online banking and de-mat account facilities. However, if a customer is having his de-mat account with independent share brokers, then he needs to sign a special form, which will link his two accounts.

(vi) Recharging Prepaid Phone:

Through Internet banking, recharging of prepaid phone has also become possible. It is no longer needed to rush to the vendor to recharge prepaid phones as and when talk time runs out. Here the customer just tops-up his prepaid mobile cards by logging in to Internet banking. By just selecting operator’s name, entering mobile number and the amount of recharge, the prepared phone of the customer is again back in action within few minutes.

(vii) Shopping at Fingertips:

Internet banking provides facility of shopping at fingertips. Leading banks have tied-up with various shopping websites. With a range of all kind of products. One can shop online and the payment is also made conveniently through his account. One can also buy railway and air tickets through Internet banking.

Essay # 5. Emerging Challenges of Internet Banking in India :

In India, a large sophisticated and highly competitive Internet Banking Market is gradually being developed with market pressure and is subjected to the following emerging challenges:

1. Demand side pressure due to increasing access to low cost electronic services.

2. Emergence of open standards for banking functionally.

3. Growing customer awareness and need for transparency.

4. Global players in the fray.

5. Close integration of bank services with web based E-commerce or even disintermediation of service through direct electronic payments (E-cash).

6. More convenient international transactions due to the fact that the Internet along the general deregulation trends, eliminate geographic boundaries.

7. Move from one stop shopping to ‘Banking Portfolio’, i.e., unbundled product purchases.

The Internet and its underlying technologies have been changing and transforming not just banking but all aspects of finance and commerce. It usually represents much more than a new distribution opportunity. Internet banking will also enable nimble players to leverage their traditional brick and mortar presence for improving customer satisfaction and gain share.

Essay # 6. Main Concerns in Internet Banking :

Internet banking in India has its areas of concern. In the mean time, a number of cases related to fraud and cheating of banks and customers by unscrupulous persons have already been lodged in India with this type of banking facilities. Irrespective of that attempts have been made by the RBI and the banking authorities for promoting safety and soundness of online and e-banking facilities in the country by issuing necessary guidelines.

In a recent survey conducted by the Online Banking Association, member institutions rated security as the most important issue of online banking. Thus there is a dual requirement to protect customers privacy and product against fraud.

Banking Securely:

Online Banking provides an overview of Internet Commerce and how one company can handle secure banking practices for its financial institution clients and their customers. Moreover, some basic information on the transmission of confidential data is presented in Security and Encryption on the web. In this respect, PC Magazine Online also offers a primer as to how encryption works.

Besides, a multi-layered security architecture comprising firewalls, filtering routers, encryption and digital certification ensures that customers account information is protected fully from un-authorised access in the following manner:

(i) Firewalls and filtering routers ensure that only the legitimate Internet users are usually allowed to access the system.

(ii) Encryption techniques used by the bank (including the sophisticated public key encryption) would ensure that privacy of data flowing between the browser and the Infinity system is protected.

(iii) Digital certification procedures provide the assurance that the data a customer receive is from the infinity system.

Essay # 7. Strategies to be Adopted by Indian Banks for Introducing Internet Banking :

In present times, Internet banking has no alternatives. Indian banking is gradually getting more and more access of Internet banking. Thus, Internet banking would drive us into an age of creative destruction due to non-physical exchange; complete transparency is also giving rise to perfectly electronic market place and customer supremacy.

At this moment, the question may be asked “what the Indian Banks should do under the present circumstances?” Whatever is the strategy chosen and options adopted, certain key parameters would largely determine the success of banks on web.

In order to attain long term success, in respect of Internet banking, a bank may follow:

(i) Adopting a webs mindset.

(ii) Catching on the first mover’s advantage.

(iii) Recognising the core competencies.

(iv) Enabling handling multiplicity with simplicity.

(v) Initiating senior management to transform the organisation from inward to outward looking.

(vi) Aligning roles and value propositions with customers segments.

(vii) Redesigning optimal channel port-folio.

(viii) Acquiring new capabilities through strategic alliances.

However, the above mentioned steps can be implemented by following four steps mentioned below:

(i) In the first phase, the customer be familiarized to new environment by demo version of software on banks, website. This will enable users to give suggestions for improvements, which can be incorporated in its later versions wherever possible.

(ii) The second phase provides various services such as account information and balances, statement of account, transaction tracking, mail box, check book issue, stop payment, financial and customized information.

(iii) The third phase may include additional multi-utility services like fund transfers, DD issue, standing instructions, opening fixed deposits and intimation of loss of ATM cards.

(iv) The final phase should include advanced corporate banking services like third party payments, utility bill payments, establishment of L/Cs, Cash Management Services etc. Enhanced plan for the customers in future may include requests for demand drafts and pay orders and many more to bring in the ultimate in banking convenience.

Thus by following the above mentioned strategies, it will help banks to translate their traditional business model into a Internet banking one, falling into the following three main categories:

(i) One-stop shop.

(ii) Virtual one stop shop.

(iii) Best of Breed Supplier.

Thus by following the above steps, the Indian bankers can pave the way for the successful introduction and popularizing the new concept of Internet banking on a large scale.

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107 Banking Essay Topic Ideas & Examples

Inside This Article

Banking is a fundamental aspect of the modern economy, serving as the backbone of financial systems worldwide. As a result, there is a vast array of topics to explore within the field of banking. Whether you are a student looking for inspiration or a banking professional seeking to expand your knowledge, this article presents 107 essay topic ideas and examples to help you get started.

The impact of digital banking on traditional banking services.
The role of central banks in regulating the economy.
The benefits and drawbacks of using mobile banking applications.
The future of cryptocurrencies and their impact on traditional banking systems.
The role of commercial banks in fostering economic growth.
The impact of interest rates on consumer borrowing behavior.
The ethical implications of banks investing in controversial industries.
The challenges faced by small and medium-sized banks in an era of consolidation.
The impact of globalization on the banking industry.
The role of banks in promoting financial inclusion.
The impact of technology on fraud prevention in banking.
The effectiveness of stress tests in assessing bank resilience.
The role of banks in financing infrastructure projects.
The impact of banking regulations on lending practices.
The benefits and challenges of open banking.
The role of banks in supporting entrepreneurship and innovation.
The impact of fintech startups on traditional banking institutions.
The role of banks in addressing income inequality.
The impact of banking crises on economic stability.
The future of branch banking in a digital world.
The role of banks in facilitating international trade.
The impact of artificial intelligence on banking operations.
The challenges and opportunities of sustainable banking practices.
The role of banks in promoting financial literacy.
The impact of bank mergers and acquisitions on customers.
The challenges of implementing anti-money laundering regulations in the banking sector.
The role of banks in supporting the United Nations Sustainable Development Goals.
The impact of financial technology on banking job opportunities.
The challenges of managing cybersecurity risks in the banking industry.
The role of banks in financing renewable energy projects.
The impact of demographic changes on banking services.
The challenges of implementing digital identity verification in banking.
The role of banks in facilitating financial intermediation.
The impact of economic sanctions on banking operations.
The challenges of implementing Basel III regulations in emerging markets.
The role of banks in supporting the growth of small and medium-sized enterprises.
The impact of consumer behavior on retail banking strategies.
The challenges of implementing real-time payments in the banking sector.
The role of banks in promoting financial stability.
The impact of banking regulations on the cost of credit.
The challenges of implementing sustainable finance practices in the banking industry.
The role of banks in supporting affordable housing initiatives.
The impact of banking innovations on financial inclusion in developing countries.
The challenges of implementing instant payments in cross-border transactions.
The role of banks in addressing climate change risks.
The impact of online banking on branch closures.
The challenges of implementing data protection regulations in the banking sector.
The role of banks in financing education and healthcare.
The impact of banking regulations on the profitability of small banks.
The challenges of implementing real-time fraud detection in banking.
The role of banks in promoting gender equality in access to finance.
The impact of customer trust on banking relationships.
The challenges of implementing blockchain technology in the banking industry.
The role of banks in supporting disaster recovery efforts.
The impact of banking regulations on cross-border capital flows.
The challenges of implementing biometric authentication in banking services.
The role of banks in supporting financial resilience.
The impact of banking innovations on customer loyalty.
The challenges of implementing sustainable supply chain finance in the banking sector.
The role of banks in promoting responsible lending practices.
The impact of banking regulations on financial innovation.
The challenges of implementing real-time liquidity management in banking.
The role of banks in supporting cultural and creative industries.
The impact of banking crises on bank lending behavior.
The challenges of implementing instant payments in the gig economy.
The role of banks in promoting social impact investing.
The impact of banking regulations on bank profitability.
The challenges of implementing artificial intelligence in customer service in banking.
The role of banks in supporting financial education in schools.
The impact of banking innovations on financial risk management.
The challenges of implementing sustainable procurement practices in the banking sector.
The role of banks in promoting responsible investment.
The impact of banking regulations on financial stability in emerging markets.
The challenges of implementing real-time customer onboarding in banking.
The role of banks in supporting cultural heritage preservation.
The impact of banking crises on bank lending to small businesses.
The challenges of implementing instant payments in government transactions.
The role of banks in supporting impact entrepreneurship.
The impact of banking regulations on cross-border banking activities.
The challenges of implementing artificial intelligence in credit risk assessment in banking.
The role of banks in promoting financial literacy among vulnerable populations.
The impact of banking innovations on financial crime prevention.
The challenges of implementing sustainable insurance products in the banking sector.
The role of banks in supporting sustainable agriculture and food security.
The impact of banking regulations on financial inclusion in rural areas.
The challenges of implementing real-time transaction monitoring in banking.
The role of banks in promoting responsible corporate governance.
The impact of banking crises on bank lending to households.
The challenges of implementing instant payments in the healthcare sector.
The role of banks in supporting social entrepreneurship.
The impact of banking regulations on cross-border payment systems.
The challenges of implementing artificial intelligence in anti-money laundering in banking.
The role of banks in promoting financial literacy among young people.
The impact of banking innovations on sustainable finance.
The challenges of implementing sustainable supply chain finance in global banking networks.
The role of banks in supporting renewable energy investments.
The impact of banking regulations on financial stability in post-conflict countries.
The challenges of implementing real-time fraud prevention in mobile banking.
The role of banks in promoting responsible investment in emerging markets.
The impact of banking crises on bank lending to the real estate sector.
The challenges of implementing instant payments in the education sector.
The role of banks in supporting social impact bonds.
The impact of banking regulations on cross-border remittances.
The challenges of implementing artificial intelligence in customer relationship management in banking.
The role of banks in promoting financial literacy among senior citizens.
The impact of banking innovations on sustainable development finance.
The challenges of implementing sustainable supply chain finance in the global fashion industry.

These essay topic ideas provide a comprehensive overview of the vast array of issues within the field of banking. Whether you choose to explore the impact of digital banking, the role of banks in promoting sustainability, or the challenges of implementing new technologies, there are countless avenues for research and analysis. By selecting a topic that piques your interest, you can delve deeper into the complexities of the banking industry and contribute to the ongoing development of this crucial sector.

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14 CBSE Class 5 English Comprehension Worksheets 2024

Enhance your child’s English comprehension skills with our curated set of 14 CBSE Class 5 English Comprehension Worksheets. Designed to align with the CBSE curriculum, these worksheets offer engaging passages and questions, fostering reading comprehension and critical thinking in a fun and educational manner.

Elevate your child’s learning experience with our comprehensive resource for Class 5 English c omprehension practice.

Importance of Class 5 English comprehension

Class 5 English comprehension skills are crucial for CBSE exam success, as they

enhance reading
critical thinking abilities
enable effective analysis of diverse texts
proficiency in answering passage-based questions
Helps in getting good marks in English Exam

All the above-mentioned points are a key CBSE examination pattern component. So, keep practicing CBSE Class 5 English Comprehension Worksheets.

How to solve Class 5 English Comprehension

Begin by reading the unseen passages slowly and carefully
Pay attention to each word or information
Use a pencil or your finger to underline or point to important words or sentences.
Look at the questions after reading the passage
Try to find the answers by going back to the passage
Match what you read with the questions
If a question is tricky, take a moment to think about it
Use what you know and what you read in the passage to figure out the answer.
The more different passages and questions

Class 5 English Comprehension Worksheets 1:

1. Read the following passages and answer the questions given below.

Once upon a time in a lush forest, there lived a clever rabbit named Ravi. One day, he noticed a group of animals discussing their worries about a cunning lion. Ravi hatched a plan to unite the animals against the lion. He spread a rumor that a powerful and wise king was coming to the forest, and only the most united and cooperative group of animals would be rewarded. The animals, fearing the lion, agreed to work together. The lion, overhearing their plan, grew nervous and tried to mend his ways. When the supposed king arrived, it turned out to be a harmless old tortoise. The animals learned that unity is strength, and the lion, having reformed, became a part of the newfound harmony.

Based on your understanding of the passages, answer the following questions.

1. what was the rabbit’s name, 2. why did the animals agree to work together.

a) They were afraid of the rabbit.

b) They wanted to impress the lion.

c) They hoped for a reward from the king.

d) They were told to by the tortoise.

3. Who did the animals think was the powerful king?

c) Tortoise

d) Elephant

4. What did the lion learn in the end?

a) How to hunt better

b) The importance of unity

c) How to be more cunning

d) The art of deception

B. Fill in the Blanks:

5. The rabbit’s name was ________.

6. The animals were worried about a cunning ________.

7. The king turned out to be a harmless old ________.

C. True or False:

8. The lion was initially happy about the rumored king’s arrival.

9. The rabbit spreads a rumor about a powerful lion.

10. The lion tried to mend his ways when he heard about the king.

11. The animals believed the tortoise was a wise king.

D. Similar Meaning:

12. Unity means ___________.

E. Opposite Meaning:

13. Honesty is the opposite of ___________.

F. Short Answer Type:

14. Why did the animals agree to work together?

15. What was the lion’s reaction when he heard about the king?

16. How did the rabbit trick the animals into working together?

G. Long Answer Type:

17. Explain the moral of the story and how it applies to real-life situations.

Class 5 English Comprehension Worksheets 2:

2. Read the following passages and answer the below questions.

1. Once upon a time in a dense forest, there lived four friends – a clever crow named Charlie, a wise monkey named Miko, a witty rabbit named Ruby, and a friendly tortoise named Tommy. One day, they discovered a treasure hidden deep in the forest, guarded by a fierce lion. Fearful yet determined, the friends devised a plan to outsmart the lion.

2. Charlie, being an excellent flyer, distracted the lion by dropping shiny pebbles on him, while Miko swung from the trees, confusing the lion with acrobatics. Ruby, with her quick reflexes, led the lion on a chase through the bushes, creating chaos. Meanwhile, Tommy slowly made his way towards the treasure.

3. Their teamwork paid off, and they managed to retrieve the treasure without harming the lion. The friends learned that intelligence and collaboration can overcome even the mightiest challenges, and they celebrated their success with a feast.

1. Who distracted the lion by dropping shiny pebbles?

2. how did miko contribute to the plan.

a) By leading the lion on a chase

b) By flying and dropping pebbles

c) By swinging from trees

d) By retrieving the treasure

3. What did the friends learn from their adventure?

a) Greed is good

b) Teamwork and intelligence overcome challenges

c) Lions are friendly

d) Treasures are easy to find

4. Who led the lion on a chase through the bushes?

5. The friends discovered a treasure hidden in a ________.

6. Charlie distracted the lion by dropping shiny ________.

7. The friends celebrated their success with a ________.

8. The lion willingly gave away the treasure.

9. Ruby led the lion on a chase through the trees.

10. The friends celebrated their success with a festival.

11. The treasure was easily accessible.

12. Enjoyed means ___________.

13. Gentle is the opposite of ___________.

14. How did Charlie distract the lion?

15. What did the friends learn from their adventure?

16. How did Tommy contribute to the plan?

17. Explain the importance of teamwork and intelligence in overcoming challenges, using examples from the story.

Class 5 English Comprehension Worksheets 3:

3. Read the following passages and answer the below questions.

1. In a vibrant jungle, there lived a group of animals, each possessing unique qualities. Among them were four friends – a wise owl named Olivia, a swift deer named Danny, a strong elephant named Eddie, and a clever fox named Fiona. One day, they faced a challenge when a drought struck their jungle, leaving them with scarce water resources. Olivia, with her wisdom, proposed a plan to dig a well and find a sustainable water source.

2. The friends worked tirelessly, with Eddie using his strength to dig, Danny fetching water swiftly, Fiona cleverly devising a system, and Olivia overseeing the entire process. Through their collective efforts, they not only found water but also created a well that benefited the entire jungle.

1. Who proposed the plan to dig a well?

2. what was the challenge faced by the friends.

a) Excessive rain

b) Drought and scarce water

c) Wildfire

d) Lack of food

3. Who used their strength to dig the well ?

4. what did the friends create that benefited the jungle.

c) Treehouse

5. The jungle faced a challenge due to a ________.

6. Olivia proposed a plan to dig a ________.

7. Eddie used his ________ to dig the well.

8. The friends faced a challenge when a wildfire struck the jungle.

9. Fiona was responsible for fetching water swiftly.

10. Olivia oversaw the process of digging the well.

11. The well created by the friends had no benefit for the jungle.

12 . Scant means ___________.

13. Slow is the opposite of ___________.

14. What was the challenge faced by the friends?

15. How did Eddie contribute to digging the well?

16. Who proposed the plan to dig a well?

17. Explain the roles played by each friend in overcoming the water scarcity challenge, highlighting their unique qualities.

Class 5 English Comprehension Worksheets 4:

4. Read the following passages and answer the below questions.

1. In the magical world of Arabian Nights, there lived a clever young boy named Ali. One day, while exploring the bustling market, Ali stumbled upon a mysterious lamp. As he rubbed it, a magical genie appeared, ready to grant him three wishes. Ali, being wise, wished for wealth, knowledge, and the power to help others.

2. With his newfound wealth, Ali transformed his humble life into one of abundance. He established schools to spread knowledge and used his power to assist those in need. However, Ali’s kindness attracted the envy of an evil sorcerer who sought to steal the lamp. A thrilling adventure unfolded as Ali and the genie faced numerous challenges to protect the magical lamp and its powers.

1. What did Ali wish for when the genie appeared?

b) Three more wishes

c) Wealth, knowledge, and the power to help others

d) A pet monkey

2. What did Ali use his wealth for?

a) Building castles

b) Establishing schools

c) Buying exotic pets

d) Traveling the world

3. Who envied Ali’s kindness and sought to steal the lamp?

a) A helpful neighbor

b) A magical creature

c) An evil sorcerer

d) Ali’s friend

4. How did Ali acquire the magical lamp?

a) He bought it from a merchant

b) He found it in the desert

c) It was a gift from his parents

d) He stole it from the palace

5. Ali discovered a mysterious lamp in the bustling ________.

6. Ali’s wishes included wealth, knowledge, and the power to ________.

7. The evil sorcerer was envious of Ali’s ________.

8. Ali wished for fame, beauty, and power.

9. Ali used his wealth to buy exotic pets.

10. The genie appeared when Ali rubbed a magical ring.

11. Ali’s kindness did not attract any envy from others.

12. Plenty means ___________.

13. Grand is the opposite of ___________.

14. What did Ali use his wishes for?

15. Who envied Ali’s kindness?

16. How did Ali protect the magical lamp?

17 . Describe the sequence of events when Ali discovered the mysterious lamp and how it led to his adventures, including the challenges faced with the evil sorcerer.

Class 5 English Comprehension Worksheets 5:

5. Read the following passages and answer the below questions.

Once in a peaceful village, there lived a wise old mouse named Ishop. He often shared fables with the young mice to impart valuable lessons. In Ishop’s favorite fable, he narrated the story of a diligent ant and a carefree grasshopper. The ant worked tirelessly, storing food for the winter, while the grasshopper enjoyed the summer without any concern for the future. When winter arrived, the ant was well-prepared, but the grasshopper found himself hungry and cold. Ishop’s fable taught the young mice the importance of hard work and planning for the future.

1. What was the fable about?

a) A wise old mouse

b) A diligent ant and a carefree grasshopper

c) A peaceful village

d) Summer and winter seasons

2. Who worked tirelessly and stored food for the winter?

a) The wise old mouse

b) The grasshopper

d) The young mice

3. What lesson did Ishop’s fable teach?

a) The joy of summer

b) The importance of hard work and planning

c) The carefree life of a grasshopper

d) The harshness of winter

4. What was the name of the wise old mouse?

b) Grasshopper

5 . Ishop often shared ________ with the young mice.

6. The ant worked tirelessly, storing food for the ________.

7 . In winter, the grasshopper found himself ________ and cold.

8. Ishop’s favorite fable was about a lazy grasshopper.

9. The grasshopper was well-prepared for winter.

10. The fable taught the young mice the importance of hard work.

11. The village was not peaceful.

12. Hardworking means ___________.

13. Concerned is the opposite of ___________.

14. Who worked tirelessly in the fable?

15. What did the ant do to prepare for winter?

16. What lesson did Ishop’s fable teach?

17. Explain the main characters and the lesson conveyed in Ishop’s favorite fable.

Class 5 English Comprehension Worksheets 6:

6. Read the following passages and answer the below questions.

Once upon a time in a quaint village, there lived a wise old mouse named Ishop. One day, he gathered all the young mice around him to share a fable about a clever tortoise and a boastful hare. In the fable, the hare challenged the tortoise to a race, confident in his speed. However, the hare grew overconfident, took a nap midway, and awoke to find the slow but steady tortoise near the finish line. The tortoise won the race, proving that consistency and determination triumph over arrogance.

b) A clever tortoise and a boastful hare

c) A quaint village

d) A speedy hare

2. Why did the hare lose the race?

a) The tortoise cheated

b) The hare fell asleep

c) The tortoise was faster

d) The hare got lost

a) The importance of boasting

b) The power of consistency and determination

c) The swiftness of hares

d) The unfairness of races

4. Who shared the fable with the young mice?

a) The speedy hare

c) The boastful tortoise

d) The village mice

5. Ishop gathered the young mice to share a fable about a clever ________ and a boastful ________.

6. The hare lost the race because he fell ________.

7. The tortoise won the race through consistency and ________.

8. The hare challenged the tortoise to a dance competition.

9. The tortoise won the race because he was faster.

10. The fable teaches the importance of consistency and determination.

11. The village where Ishop lived was bustling and noisy.

12. Intelligent means ___________.

13. Fast is the opposite of ___________.

14. Why did the hare lose the race?

15 . What lesson did Ishop’s fable teach?

16. Who challenged the tortoise to a race?

17. Explain the main characters and the lesson conveyed in Ishop’s fable about the clever tortoise and boastful hare.

Class 5 English Comprehension Worksheets 7:

7. Read the following passages and answer the below questions.

In the peaceful hamlet of Willow Grove, the wise old mouse Ishop shared a fable about a diligent beaver named Benny and a carefree otter named Oliver. Benny spent his days industriously building a sturdy dam, ensuring a secure home for his family. On the other hand, Oliver played in the river, enjoying the present without any concern for the future. One day, a storm hit, causing the river to overflow. Benny’s dam withstood the force, providing safety, while Oliver’s riverside burrow faced flooding.

1. What was the fable about?

a) Ishop’s wisdom

b) A diligent beaver and a carefree otter

c) The peaceful hamlet

d) A stormy night

2. Who spent days building a sturdy dam?

d) Willow Grove

3. Why did Benny build a dam?

a) To play in the river

b) To secure a home for his family

c) For a stormy night

d) Due to Ishop’s advice

4. What happened to Oliver’s burrow during the storm?

a) It became stronger

b) It faced flooding

c) It turned into a dam

d) It remained untouched

5. Ishop shared a fable about a diligent beaver named ________ and a carefree otter named ________.

6. Benny built a sturdy dam to ensure a secure ________ for his family.

7. Oliver’s riverside burrow faced flooding during a storm due to the overflowing ________.

8. Benny and Oliver were both diligent workers.

9. Oliver’s riverside burrow withstood the storm.

10. The fable teaches the importance of planning for the future.

11. Willow Grove was a noisy and chaotic hamlet.

14. Why did Benny build a dam?

15. What happened to Oliver’s burrow during the storm?

16. What lesson did the fable teach?

17. Describe the characters Benny and Oliver and explain the lesson conveyed in Ishop’s fable about the diligent beaver and carefree otter.

Class 5 English Comprehension Worksheets 8:

8. Read the following poem and answer the below questions.

The Rainbow’s Smile

In the sky so high and wide,

Colors blend in a joyful tide.

Red, orange, yellow, and green,

The most vibrant rainbow ever seen.

Blue and indigo gracefully mix,

Creating a magical, colorful fix.

Violet joins, a royal hue,

A rainbow smile for me and you.

Based on your understanding of the poem, answer the following questions.

1. what blends in the sky to create a joyful tide, 2. which color comes after green in the rainbow, 3. what is the most vibrant thing ever seen in the poem.

b) A rainbow

c) A mountain

d) A forest

4. What does violet join to create in the poem?

1. In the sky, colors blend in a joyful ________.

2. Blue and indigo gracefully mix, creating a magical, colorful ________.

3. A rainbow smile for ________ and you.

4. The rainbow’s colors include red, orange, yellow, green, and blue.

5. Indigo is the first color in the rainbow.

6. The poem describes a rainbow as a sad and dull phenomenon.

7. Violet joins to create a frown in the poem.

8. Happy means ___________.

9. Bright is the opposite of ___________.

10. Name three colors mentioned in the poem.

11. What does violet join to create in the poem?

12. What is the poem describing in the sky?

13. Explain the imagery and emotions conveyed in the poem “The Rainbow’s Smile.”

Class 5 English Comprehension Worksheets 9:

9. Read the following poem and answer the below questions.

The Enchanted Forest

In the heart of the woods, where the trees stand tall,

Lies an enchanted forest, a magical thrall.

Whispers of the wind, a melody so sweet,

Dancing leaves beneath, as nature’s rhythms meet.

Creatures of fantasy, with wings and fur,

Live in harmony, the way things were.

Fairies paint the flowers with hues so bright,

Glowing mushrooms illuminate the night.

1. Where does the enchanted forest lie?

a) On a mountain

b) By the sea

c) In the heart of the woods

d) In a desert

2. What dances beneath the trees in the enchanted forest?

a) Creatures

d) Mushrooms

3. What do fairies paint in the enchanted forest?

4. what illuminates the night in the enchanted forest.

a) Glowing mushrooms

b) Moonlight

c) Fireflies

5. In the heart of the woods lies an enchanted ________.

6. Whispers of the wind create a melody so ________.

7. Fairies paint the ________ with hues so bright.

8. The enchanted forest is by the sea.

9. Creatures in the enchanted forest live in discord.

10. Glowing mushrooms illuminate the day.

11. The wind in the enchanted forest is silent.

12. Balance means ___________.

13. Bitter is the opposite of ___________.

14. What is the melody created by the wind in the enchanted forest?

15. What do fairies paint with hues so bright?

16. Describe the creatures living in the enchanted forest.

17. Explain the magical elements and the atmosphere described in the poem “The Enchanted Forest.”

Class 5 English Comprehension Worksheets 10:

10. Read the following paragraphs and answer the below questions.

1. Once in a peaceful village, a little girl named Maya found a tiny kitten shivering near the woods. Feeling sorry for the poor creature, Maya decided to take it home and care for it. She named the kitten Whiskers, and they became inseparable. One day, as Maya played in the garden, Whiskers went exploring and got lost. Worried, Maya searched everywhere but couldn’t find her beloved kitten.

2. Distraught, Maya sought help from her neighbors, who joined the search. After hours of looking, they found Whiskers hiding in a bush. Maya was overjoyed to have her kitten back and learned an important lesson about responsibility and keeping a close eye on her furry friend.

1. Where did Maya find the tiny kitten?

a) Near the river

b) In the woods

c) In the garden

d) On the street

2. What did Maya name the kitten?

b) Whiskers

3. Why did Whiskers get lost?

a) Maya forgot about her

b) Whiskers went exploring

c) The neighbors took her

d) Whiskers didn’t like Maya

4. What lesson did Maya learn from the incident?

a) Cats like to hide

b) The woods are dangerous

c) Responsibility and keeping a close eye on her pet

d) Kittens always come back

5. Maya found the tiny kitten __________ the woods.

6. Whiskers got lost while __________.

7. Maya learned a lesson about responsibility and keeping a close eye on her __________.

8. Whiskers was found near the river.

9. Maya didn’t care about finding her lost kitten.

10. The neighbors didn’t help Maya in searching for Whiskers.

11. Maya named the kitten Paws.

12. Closely bonded means ___________.

13. Content is the opposite of ___________.

14. What did Maya learn from the incident?

15. Where was Whiskers found?

16. Why did Maya search for Whiskers?

17. Explain the story of “The Lost Kitten” and the moral lesson it conveys.

Class 5 English Comprehension Worksheets 11:

11. Read the following paragraphs and answer the below questions.

1. In Sarat Chandra Chattopadhyay’s “Mahesh,” the story revolves around the central character, Mahesh, a simple and honest man living in a rural setting. Mahesh works hard to make ends meet, leading a modest life with his wife and children. Despite facing various challenges, Mahesh remains dedicated to his family and responsibilities.

2. The narrative takes an unexpected turn when Mahesh’s honesty becomes a hurdle. He finds himself entangled in a situation where he is wrongly accused of theft due to his refusal to compromise his principles. The story explores themes of societal injustice and the plight of an upright individual caught in the web of deceit.

3. As the plot unfolds, Mahesh grapples with the consequences of being falsely accused. The narrative sheds light on the struggles of an ordinary man facing an unjust society, highlighting the moral dilemma and sacrifices that accompany steadfast integrity.

1. Who is the central character in “Mahesh”?

2. what is mahesh accused of.

c) Kidnapping

3. How does Mahesh’s honesty become a hurdle?

a) He refuses to work

b) He refuses to compromise his principles

c) He lies to everyone

d) He steals from his neighbors

4. What theme does “Mahesh” primarily explore?

b) Adventure

c) Societal injustice

5. Mahesh lives a ________ life with his wife and children.

6. Mahesh is wrongly accused of ________ due to his refusal to compromise his principles.

7. The story highlights the struggles of an ordinary man facing ________.

8. Mahesh compromises his principles to avoid trouble.

9. The story of “Mahesh” primarily focuses on romance.

10. Mahesh is accused of murder.

11. The narrative explores the theme of societal injustice.

12. Honest means ___________.

13. Surrender is the opposite of ___________.

14 . What challenges does Mahesh face in the story?

15. How does Mahesh’s honesty lead to consequences?

16. What is the central theme of “Mahesh”?

17. Discuss the character of Mahesh and the societal challenges he faces in Sarat Chandra Chattopadhyay’s “Mahesh.”

Class 5 English Comprehension Worksheets 12:

12. Read the following paragraphs and answer the below questions.

1. In “The Royal Bengal Mystery,” Feluda is invited to investigate a case in the royal palace of the princely state of Bengal. The maharaja’s valuable gold coin collection has been stolen, and Feluda is tasked with solving the mystery.

2. Feluda, accompanied by Topshe and his friend Lalmohan Ganguly (Jatayu), arrives at the royal palace. As the investigation progresses, Feluda unravels a complex web of deceit, betrayal, and hidden motives among the palace staff and guests. The suspenseful plot takes unexpected turns, and Feluda’s sharp intellect eventually leads to the apprehension of the thief.

3. The story not only showcases Feluda’s brilliant deductive skills but also highlights the rich cultural backdrop of Bengal and its royal history.

1. Who is the main detective in the “Feluda” series?

d) Maharaja

2. What is Feluda’s real name?

a) Pradosh C. Mitter

b) Lalmohan Ganguly

c) Tarini Khuro

d) Amiyo Das

3. In “The Royal Bengal Mystery,” what does Feluda investigate?

a) A missing person case

b) A stolen gold coin collection

c) A murder mystery

d) A political conspiracy

4. Who is Feluda’s friend accompanying him in “The Royal Bengal Mystery”?

c) Amiyo Das

5. “The Royal Bengal Mystery” is set in the royal palace of the princely state of ________.

6. Feluda’s sharp intellect leads to the apprehension of the ________.

7. Feluda’s cousin and assistant is named ________.

8. Feluda is a fictional private investigator.

9. The main case in “The Royal Bengal Mystery” involves a stolen gold coin collection.

10. Jatayu is Feluda’s cousin and assistant.

11. The story is primarily set in a modern city.

12. Logical reasoning means ___________.

13. Release is the opposite of ___________.

14. What is the main case in “The Royal Bengal Mystery”?

15. Who are the main characters accompanying Feluda in the story?

16. What makes Feluda a skilled detective?

17. Describe the plot and main characters of “The Royal Bengal Mystery” in the “Feluda” detective series.

Class 5 English Comprehension Worksheets 13:

13. Read the following paragraphs and answer the below questions.

1. In “The Golden Fortress,” Feluda, accompanied by his cousin Topshe and the bumbling writer Lalmohan Ganguly (Jatayu), embarks on a thrilling adventure. The trio receives a mysterious letter leading them to Rajasthan in search of a hidden treasure.

2. Their quest takes them to the historic city of Jaisalmer, where they encounter ancient forts, secret passages, and a web of deceit. The story unfolds as Feluda uses his sharp intellect and deductive skills to unravel the clues leading to the legendary Golden Fortress.

3. As they navigate through the desert landscape and face numerous challenges, including a group of treasure hunters, Feluda’s determination and Topshe’s loyalty are put to the test. The climax reveals the secrets of the Golden Fortress and the hidden treasure, showcasing Feluda’s prowess as a detective.

2. What is Feluda’s full name?

3. in “the golden fortress,” where does feluda and his companions go in search of a treasure.

b) Rajasthan

c) Himachal Pradesh

4. Who is Feluda’s cousin and faithful companion?

5 . In “The Golden Fortress,” Feluda and his companions receive a mysterious letter leading them to ________.

6. The climax of the story reveals the secrets of the ________.

7. Feluda’s cousin and faithful companion is named ________.

8. “The Golden Fortress” is set in Kerala.

9 . Feluda’s full name is Tarini Khuro.

10. The story involves a search for a hidden treasure.

11. Jatayu is a serious and skilled investigator.

12. Skill means ___________.

13. Betrayal is the opposite of ___________.

14. What is the main quest in “The Golden Fortress”?

15. Who are the companions accompanying Feluda in the story?

16. How does Feluda demonstrate his detective skills?

17. Provide a detailed summary of “The Golden Fortress” and discuss the role of Feluda as a detective in the story.

Class 5 English Comprehension Worksheets 14:

14. Read the following paragraphs and answer the below questions.

1. The animal kingdom is a diverse and fascinating realm filled with a wide variety of creatures. Animals are classified into different groups based on their characteristics, structures, and behaviors. The major groups within the animal kingdom include mammals, birds, reptiles, amphibians, and fish.

2. Mammals are warm-blooded vertebrates that usually have fur or hair and give birth to live young. Birds, characterized by feathers and the ability to fly, lay eggs. Reptiles, like snakes and turtles, have scales and are cold-blooded. Amphibians, such as frogs and salamanders, live both in water and on land during different stages of their lives. Fish, equipped with gills for breathing, inhabit aquatic environments.

3. Animals play crucial roles in ecosystems, contributing to the balance of nature. They exhibit diverse behaviors, from hunting and scavenging to complex social interactions. The study of the animal kingdom helps us understand the interconnectedness of life on Earth and the importance of biodiversity.

1. What are the major groups within the animal kingdom?

a) Mammals, insects, birds

b) Mammals, reptiles, amphibians

c) Fish, birds, mammals

d) Reptiles, amphibians, fungi

2. What do mammals and birds have in common?

a) Cold-blooded

b) Lay eggs

c) Warm-blooded

3. Which group of animals can live both in water and on land?

c) Amphibians

d) Reptiles

4. What do fish use for breathing?

c) Nostrils

5. Mammals are warm-blooded vertebrates that usually have fur or hair and give birth to live young.

6. Reptiles, like snakes and turtles, have scales and are cold-blooded.

7. Amphibians, such as frogs and salamanders, live both in water and on land during different stages of their lives.

8. The animal kingdom includes only mammals and birds.

9. Fish lay eggs to reproduce.

10. Reptiles are warm-blooded.

11. Amphibians can only live on land.

12. Varied means ___________.

13. Simple is the opposite of ___________.

14. Name two characteristics of mammals mentioned in the passage.

15. What is the common feature of reptiles mentioned in the passage?

16. Why is the study of the animal kingdom important?

17. Explain the major groups within the animal kingdom and provide examples of each group.

Answers to Class 5 English Comprehension Worksheets

Class 5 english comprehension answers 1:.

A. MCQs: 1-b, 2-c, 3-c, 4-b

B. Fill in the Blanks: 1-Ravi, 2-lion, 3-tortoise

C. True or False: 1-False, 2-False, 3-True, 4-False

D. Similar Meaning: 1-Harmony

E. Opposite Meaning: 1-Cunning

F. Short Answer Type: 1-They wanted to impress the king and hoped for a reward.

2-The lion grew nervous and tried to mend his ways. 3-The rabbit spread a rumor about a powerful and wise king.

G. Long Answer Type: 1-The moral of the story is that unity is strength, and when individuals work together, they can overcome challenges. This applies to real-life situations where teamwork and collaboration lead to success and harmony.

Class 5 English Comprehension Answers 2:

A. MCQs: 1-c, 2-c, 3-b, 4-b

B. Fill in the Blanks: 1-forest, 2-pebbles, 3-feast

C. True or False: 1-False, 2-False, 3-True, 4-True

D. Similar Meaning: 1-Celebrated

E. Opposite Meaning: 1-Fierce

F. Short Answer Type:

1-By dropping shiny pebbles.

2-They learned that intelligence and collaboration can overcome challenges. 3-By slowly making his way towards the treasure.

G. Long Answer Type: 1-Teamwork and intelligence are crucial in facing challenges. In the story, Charlie, Miko, Ruby, and Tommy each contributed their unique abilities to outsmart the lion and retrieve the treasure. Charlie’s distraction, Miko’s acrobatics, Ruby’s quick reflexes, and Tommy’s slow but steady progress showcased the importance of combining strengths. This teaches us that by working together and using our individual talents, we can overcome even the most formidable obstacles in life.

Class 5 English Comprehension Answers 3:

A. MCQs: 1-d, 2-b, 3-b, 4-b

B. Fill in the Blanks: 1-drought, 2-well, 3-strength

D. Similar Meaning: 1-Scarce

E. Opposite Meaning: 1-Swift

1-The challenge was a drought and scarce water.

2-Eddie used his strength to dig the well. 3-Olivia proposed the plan to dig a well.

G. Long Answer Type: 1-Olivia, with her wisdom, proposed the plan to dig a well. Eddie, with his strength, was responsible for physically digging the well. Danny, the swift deer, fetched water swiftly, and Fiona, the clever fox, devised a system for efficient water collection and distribution. Through their collective efforts, they not only overcame the challenge of water scarcity but also created a well that benefited the entire jungle, showcasing the importance of collaboration and utilizing individual strengths in solving problems.

Class 5 English Comprehension Answers 4:

A. MCQs: 1-c, 2-b, 3-c, 4-b

B. Fill in the Blanks: 1-market, 2-help others, 3-kindness

C. True or False: 1-False, 2-False, 3-False, 4-True

D. Similar Meaning: 1-Abundance

E. Opposite Meaning: 1-Humble

1.Ali used his wishes for wealth, knowledge, and the power to help others.

2.The evil sorcerer envied Ali’s kindness.

3.Ali and the genie faced numerous challenges to protect the magical lamp.

G. Long Answer Type: 1. Ali, while exploring the bustling market, discovered a mysterious lamp. Upon rubbing it, a magical genie appeared, granting him three wishes. Ali wisely wished for wealth, knowledge, and the power to help others. With his wealth, he transformed his life, establishing schools to spread knowledge and assisting those in need. However, his kindness attracted the envy of an evil sorcerer who sought to steal the lamp. A thrilling adventure unfolded as Ali and the genie faced challenges, ultimately protecting the magical lamp and its powers from the sorcerer’s clutches. This tale of wisdom, kindness, and courage showcases the enchanting world of Arabian Nights.

Class 5 English Comprehension Answers 5:

A. MCQs: 1-b, 2-c, 3-b, 4-a

B. Fill in the Blanks: 1-fables, 2-winter, 3-hungry

D. Similar Meaning: 1-Diligent

E. Opposite Meaning: 1-Carefree

1-The ant worked tirelessly.

2.The ant stored food for winter.

3. Ishop’s fable taught the importance of hard work and planning for the future.

G. Long Answer Type: 1. In Ishop’s favorite fable, the main characters were a diligent ant and a carefree grasshopper. The ant worked tirelessly, storing food for the winter, while the grasshopper enjoyed the summer without planning for the future. When winter arrived, the ant was well-prepared, but the grasshopper found himself hungry and cold. The lesson conveyed was the importance of hard work and planning for the future, teaching the young mice the consequences of a careless and unprepared attitude towards life. Ishop used this fable to impart valuable wisdom to the young mice in the peaceful village.

Class 5 English Comprehension Answers 6:

A. MCQs: 1-b, 2-b, 3-b, 4-b

B. Fill in the Blanks: 1-tortoise, hare, 2-asleep, 3-determination

D. Similar Meaning: 1-Clever

E. Opposite Meaning: 1-Slow

1. The hare lost the race because he fell asleep.

2. Ishop’s fable taught the lesson that consistency and determination triumph over arrogance.

3. The hare challenged the tortoise to a race.

G. Long Answer Type: 1. In Ishop’s fable, the main characters were a clever tortoise and a boastful hare. The hare challenged the tortoise to a race, confident in his speed. However, the hare grew overconfident, took a nap midway, and awoke to find the tortoise near the finish line. The tortoise won the race through consistency and determination, teaching the young mice the valuable lesson that arrogance can lead to defeat, and steady effort is the key to success. Ishop shared this fable to impart wisdom and guidance to the young mice in the quaint village.

Class 5 English Comprehension Answers 7:

A. MCQs: 1-b, 2-c, 3-b, 4-b

B. Fill in the Blanks: 1-Benny, Oliver, 2-home, 3-river

C. True or False: 1-True, 2-False, 3-True, 4-False

E. Opposite Meaning: 1-Carefree

F. hort Answer Type:

1. Benny built a dam to ensure a secure home for his family.

2. Oliver’s riverside burrow faced flooding during the storm.

3. The fable taught the importance of planning for the future.

G. Long Answer Type: 1. Benny, the diligent beaver, spent his days building a sturdy dam to ensure a secure home for his family. In contrast, Oliver, the carefree otter, played in the river without concern for the future. When a storm hit, Benny’s dam withstood the force, providing safety, while Oliver’s riverside burrow faced flooding. The lesson conveyed in Ishop’s fable is the importance of diligence and planning for the future, emphasizing that foresight and hard work lead to resilience and security in times of adversity.

Class 5 English Comprehension Answers 8:

B. Fill in the Blanks: 1-tide, 2-fix, 3-me

C. True or False: 1-True, 2-False, 3-False, 4-False

D. Similar Meaning: 1-Joyful

E. Opposite Meaning: 1-Dull

1. Red, orange, yellow.

2. Violet joins to create a smile.

3. The poem is describing a rainbow in the sky.

G. Long Answer Type: 1. “The Rainbow’s Smile” paints a vivid picture of the sky where colors blend to form a joyful tide. The progression from red to violet in the rainbow is described, emphasizing the vibrant and magical nature of this natural phenomenon. The mention of a rainbow smile suggests a positive and cheerful mood, spreading joy to both the reader and everyone who witnesses this colorful display in the sky. The poem aims to evoke a sense of wonder and appreciation for the beauty found in nature, specifically the enchanting colors of a rainbow.

Class 5 English Comprehension Answers 9:

A. MCQs: 1-c, 2-b, 3-c, 4-a

B. Fill in the Blanks: 1-forest, 2-sweet, 3-flowers

C. True or False: 1-False, 2-False, 3-False, 4-False

E. Opposite Meaning: 1-Sweet

1. The melody created by the wind in the enchanted forest is sweet.

2. Fairies paint flowers with hues so bright.

3. The creatures living in the enchanted forest are described as fantasy creatures with wings and fur, living in harmony.

G. Long Answer Type: 1. “The Enchanted Forest” describes a magical and serene place in the heart of the woods. The trees stand tall, and the wind whispers a sweet melody. The leaves beneath dance in harmony with nature’s rhythms. The creatures in this forest are of fantasy, adorned with wings and fur, living together in peace. Fairies contribute to the enchantment by painting the flowers with bright hues, and glowing mushrooms illuminate the night. The poem aims to create an atmosphere of wonder and magic, highlighting the beauty and harmony found in nature’s enchanting realm.

Class 5 English Comprehension Answers 10:

A. MCQs: 1-b, 2-b, 3-b, 4-c

B. Fill in the Blanks: 1-in, 2-exploring, 3-pet

D. Similar Meaning: 1-Inseparable

E. Opposite Meaning: 1-Distraught

1. Maya learned the lesson of responsibility and keeping a close eye on her pet.

2. Whiskers was found hiding in a bush.

3. Maya searched for Whiskers because the kitten got lost while exploring.

G. Long Answer Type: 1. “The Lost Kitten” is a story about Maya, a little girl who finds a tiny kitten near the woods. She names the kitten Whiskers, and they become inseparable. One day, while Maya plays in the garden, Whiskers goes exploring and gets lost. Distraught, Maya seeks help from her neighbors, and after a thorough search, they find Whiskers hiding in a bush. The moral lesson of the story is about responsibility and the importance of keeping a close eye on one’s pet to ensure their safety. Maya learns that being a pet owner requires attentiveness and care, and this lesson stays with her as she joyfully reunites with her beloved kitten.

Class 5 English Comprehension Answers 11:

B. Fill in the Blanks: 1-modest, 2-theft, 3-societal challenges

D. Similar Meaning: 1-Upright

E. Opposite Meaning: 1-Compromise

1. Mahesh faces challenges related to societal injustice and false accusations.

2. Mahesh’s honesty leads to consequences as he is wrongly accused of theft for refusing to compromise his principles.

3. The central theme of “Mahesh” is the struggle of an honest man facing societal injustice.

G. Long Answer Type: 1. Mahesh is portrayed as a simple and honest man living a modest life with his wife and children. The story takes a turn when Mahesh’s integrity becomes a hurdle, leading to false accusations of theft. The narrative explores the challenges faced by Mahesh in a society that fails to appreciate his honesty. The character of Mahesh symbolizes the plight of individuals who, despite their honesty and dedication, are unjustly treated by society. The story reflects Sarat Chandra Chattopadhyay’s exploration of moral dilemmas and societal injustices.

Class 5 English Comprehension Answers 12:

A. MCQs: 1-c, 2-a, 3-b, 4-b

B. Fill in the Blanks: 1-Bengal, 2-thief, 3-Topshe

C. True or False: 1-True, 2-True, 3-True, 4-False

D. Similar Meaning: 1-Deductive

E. Opposite Meaning: 1-Apprehension

1. The main case in “The Royal Bengal Mystery” involves a stolen gold coin collection.

2. The main characters accompanying Feluda in the story are Topshe and Jatayu.

3. Feluda is a skilled detective due to his sharp intellect, deductive reasoning, and keen observational skills.

G. Long Answer Type: 1. “The Royal Bengal Mystery” is set in the royal palace of the princely state of Bengal. Feluda, the main detective in the series, is invited to investigate the case of a stolen gold coin collection belonging to the maharaja. Accompanied by his cousin Topshe and his friend Jatayu, Feluda delves into the intricate world of palace intrigue, where he unravels a complex web of deceit and hidden motives. The story showcases Feluda’s brilliant deductive skills and keen observational abilities. As the plot unfolds, the reader is taken on a suspenseful journey through the rich cultural backdrop of Bengal and its royal history. The case eventually leads to the apprehension of the thief, demonstrating Feluda’s prowess as a skilled detective.

Class 5 English Comprehension Answers 13:

B. Fill in the Blanks: 1-Rajasthan, 2-Golden Fortress, 3-Topshe

D. Similar Meaning: 1-Prowess

E. Opposite Meaning: 1-Loyalty

1. The main quest in “The Golden Fortress” is the search for a hidden treasure.

2. The companions accompanying Feluda in the story are Topshe and Jatayu.

3. Feluda demonstrates his detective skills through his sharp intellect, deductive reasoning, and ability to unravel complex mysteries.

G. Long Answer Type: 1. “The Golden Fortress” follows Feluda, Topshe, and Jatayu as they receive a mysterious letter leading them to Rajasthan in search of a hidden treasure. As they navigate the historic city of Jaisalmer, facing challenges and encountering treasure hunters, Feluda’s determination and deductive skills come to the forefront. The climax reveals the secrets of the Golden Fortress and the hidden treasure, showcasing Feluda’s prowess as a detective. The story not only captures the essence of a thrilling adventure but also highlights the strong bond between Feluda and his loyal companions, Topshe and Jatayu. Feluda’s character stands out as a brilliant and resourceful detective who can unravel the most complex mysteries with precision and flair.

Class 5 English Comprehension Answers 14:

B. Fill in the Blanks: 1-Mammals, fur or hair, live young. 2-Reptiles, cold-blooded. 3-Amphibians, water and on land.

C. True or False: 1-False, 2-True, 3-False, 4-False

D. Similar Meaning: 1-Diverse

E. Opposite Meaning: 1-Complex

1. Two characteristics of mammals mentioned in the passage are being warm-blooded and giving birth to live young.

2. The common feature of reptiles mentioned in the passage is having scales and being cold-blooded.

3. The study of the animal kingdom is important to understand the interconnectedness of life on Earth and the significance of biodiversity.

G. Long Answer Type:

1. The animal kingdom is classified into different groups based on characteristics, structures, and behaviors. The major groups include:

Mammals: Warm-blooded vertebrates with fur or hair, giving birth to live young (e.g., dogs, elephants).

Birds: Feathered animals with the ability to fly, laying eggs (e.g., eagles, penguins).

Reptiles: Cold-blooded animals with scales (e.g., snakes, turtles).

Amphibians: Animals like frogs and salamanders that can live both in water and on land during different life stages.

Fish: Aquatic animals with gills for breathing (e.g., goldfish, sharks).

Each group has unique features that contribute to the diversity of the animal kingdom, and understanding these classifications aids in comprehending the intricacies of the natural world.

Class 4 CBSE English Comprehension Exercises Answers

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What Is Online Banking?

How online banking works.

Online Banks

Pros and Cons of Online Banking

What do you need for online banking, how can you safely use online banking, frequently asked questions (faqs), the bottom line.

Personal Finance

What Is Online Banking? Definition and How It Works

Investopedia / Daniel Fishel

Online banking allows you to conduct financial transactions through the internet. Online banking offers customers almost every service traditionally available through a local branch including deposits, transfers, and online bill payments.

Virtually every banking institution has some form of online banking you can access through a computer or app. Online banking is also known as internet banking or web banking.

Key Takeaways

Online banking allows you to conduct financial transactions through a computer or smartphone using the internet.
With online banking, you don’t need to visit a branch to complete many transactions.
Many online banks offer lower fees and better rates than their brick-and-mortar competitors.
To take advantage of online banking, you’ll need an electronic device, an internet connection, and perhaps your debit card or account numbers.

Online banking is a popular way of doing business with a bank. With online banking, you aren't required to visit a bank branch to complete most of your basic banking transactions. You can do all of this at your convenience, wherever you want—at home, at work, or on the go. Online banking can be done using a browser or app. Mobile banking is online banking that is done on a phone or tablet.

Here are some of common ways you can use online banking.

Bank Anytime

With online banking, you don’t need to visit a physical bank branch but you can do it wherever you want—at home, work, or on the go. In addition, you can typically do online banking 24/7. However, customer support might not be available at all hours.

Access Accounts With Browsers and Apps

You can do online banking through a financial institution’s web portal using a web browser (such as Chrome or Safari) through a mobile app. This allows you to access services from many locations.

Deposit Checks

You can usually deposit a check through a mobile app using a process known as remote deposit capture . Enter the check amount, then use the app to take a photo of the front and back of the check to complete the deposit.

Manage Finances

Many banks and credit unions offer tools to help you review and balance your budget built into apps or websites. You may also be able to track spending trends, or track savings toward a goal.

Perform Other Financial Services

Online banking transactions vary from one financial institution to another. Most banks generally provide essential services such as electronic transfers and bill payments. Some banks even let you set up new checking or CD accounts or apply for credit cards through web portals. Other online functions include ordering checks, stopping payments on checks, or reporting a change of address.

Online banking may provide fewer services than traditional banking does. For instance, you can’t exchange foreign currency.

You may be unable to complete a credit application online, such as a mortgage application. Instead, some banking business must be carried out at a bank or credit union branch.

Online Banks

Online banks operate exclusively online, meaning they don’t operate branches where you can conduct business in person. The best online banks offer low-cost or free banking, plus above-average interest rates on savings accounts , certificates of deposit (CDs) , and money market accounts .

These banks handle customer service by phone, email, or online chat rather than in person. Prominent online banks in the U.S. include Ally Bank , Discover Bank , and Synchrony Bank .

Online-only banks might not provide direct automatic teller machine (ATM) access but usually enable customers to use ATMs at other banks and retail stores. They might even reimburse some or all of the ATM fees other financial institutions charge. The savings gained by not maintaining physical branches typically allows online banks to deliver significant savings on banking fees.

While you can deposit or take out a certain amount of cash at an ATM or store, most online banks impose a dollar limit.

As of October 2023, just 6% of U.S. adults with bank accounts reported their primary bank was an online-only bank.

Fast and efficient

Easy to monitor accounts

Customer service challenges

Tech and connectivity required

Hacking risk

Pros explained:

Convenience : Basic banking transactions can be done at any time of day or night, seven days a week. If your bank offers a payment network such as Zelle , you can use your online bank account to send money to a person or business. You can also open and close various accounts online, such as checking and savings accounts.
Fast and efficient : Funds can be transferred between accounts almost instantly, especially if the two accounts are held at the same institution. Plus, mobile check deposits can be made in just a few minutes.
Ease of monitoring accounts : You can closely monitor your accounts to spot suspicious activity. Around-the-clock access to banking information provides early fraud detection, serving as a guardrail against financial losses.

Cons of Online Banking

Customer service challenges : Sometimes, you might need to visit a branch to handle certain transactions, such as buying a cashier’s check. In other cases, you might not even have access to a branch. Furthermore, you may prefer depositing checks, withdrawing money or discussing your financial needs face-to-face.
Tech and connectivity required : Some customers may need to be more comfortable with the tech-heavy aspects of online banking. For example, they may need help with some online tasks, such as setting up automatic payments . In addition, online banking depends on a reliable internet connection. Connectivity issues make it difficult to process transactions when you want to.
Hacking risk : Although security continually improves, online accounts remain vulnerable. Customers should use their wireless plans rather than public Wi-Fi networks when logging into an online bank account. This can help prevent unauthorized account access.

To take advantage of online banking you’ll need an internet connection and an electronic device like a computer or mobile phone. After setting up your account, you’ll keep handy a debit or other bank card, and access to your account numbers.

Setting up your online banking account can also be reasonably straightforward. But you’ll need a few things to set up an online checking account or savings account, just like a brick-and-mortar bank account. The bank will spell out exactly what you need on its website, but it typically requires:

Your name, date of birth, address, and other information
Social Security number
Government-issued ID with a photo, such as a driver’s license or passport
A way to fund your account

To shield your money and your personal information from cyber crooks, you should take these safety precautions:

Set a strong, unique password, and change it regularly. The federal Cybersecurity & Infrastructure Security Agency recommends a password with at least 16 characters. The password should contain a random string of uppercase letters, lowercase letters, numbers, and symbols.
Rely on a password manager to help discreetly set and remember passwords.
Enable two-factor authentication or multi-factor authentication if it’s available. This involves using at least two forms of identification, such as a password and a fingerprint, to access an online account.
Never provide your online banking details to other people.
Avoid online banking when using public Wi-Fi, such as at a coffee shop or restaurant.
Check your accounts regularly for suspicious activity and report suspected fraud immediately.

Can You Use Online Banking to Pay Bills?

You can use online banking to pay bills by logging into your online banking account to arrange bill payments electronically or by check. Online bill pay is a simple way to take care of your bills and help ensure you're always on time with payment by setting up automatic payments. It works especially well for bills with regular, set amounts, such as a mortgage payment, insurance premium, or car payment.

What Is the Best Online Bank?

The best online bank for you will depend on your banking service needs and priorities. Investopedia's choice for the best online bank overall is Ally Bank. Our top choice for savings is Synchrony Bank and our top choice for checking is Discover.

Online banking is a fast, inexpensive, and convenient way to handle many of your everyday financial needs. You can probably access online banking if you already do business with a bank or credit union. All you need to do is sign up for online banking services. And while you can use online banking features from a traditional bank, picking an online-only bank for your banking needs might boost the interest you earn on savings and help reduce fees.

Consumer Financial Protection Bureau. " Online and Mobile Banking Tips for Beginners. "

Civic Science. " Online-Only Banks Are Gaining Ground With Gen Z ."

Cybersecurity & Infrastructure Security Agency. " Use Strong Passwords ."

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Kids Learning

Essay for Class 5

Essays in english for class 5.

English can be a challenging language; however, with practice, children can improve their writing skills, and one important tool to help them improve their English is reading and English essay writing for class 5.

An essay is a short piece of writing about a specific topic, which includes information about the topic along with the writer’s opinions, sometimes. Often, an essay is used in academics to test a student’s knowledge on a specific subject, apart from being served as a way of encouraging students to develop their writing skills.

Writing essays also helps children communicate their thoughts and ideas effectively. To write good essays in English for class 5, students must know the correct structure, use proper grammar and vocabulary, and ensure the writing is well-organized, which they will learn in this article.

Here are a few types of essays, each serving its purpose and function.

Narrative Essays - They detail a story from a particular point of view and include a set of characters, a location, a good plot, and a climax to the story. This type of essay includes the use of fine details.

Descriptive Essay - A descriptive essay describes a topic in great detail. Use of imagery is widely used in this style of essay.

Expository Essay - This essay explains an idea by giving information and an explanation, along with a variety of viewpoints on the subject being discussed.

Argumentative Essay - In this essay, the writer is trying to convince the reader about an opinion or point of view. There is a use of facts and data to back up any claims made within the essay.

English Essay Format for Class 5

1. introduction.

Overview of the topic

Attention-grabbing headline and introduction

Maximum 100 words

Present your arguments in a chronological order

Systematic flow

Two or more short paragraphs; not more than 100 words each

3. Conclusion

Summarising the main topic and subtopics

Lesson learnt or moral, if applicable

List of Essay Topics For Class 5

Given below is a list of some popular essay topics for class 5. Reading these essays on Vedantu will help the students develop their essay-writing skills. They can also practice these topics to become proficient in essay writing for class 5.

My Mother Essay

Education Essay

Social Media Essay

Science Essay for Students in English

Newspaper and It’s Current Value

Children’s Day

Republic Day

Writing Tips for Essay for Class 5

Here are some common tips that class 5 students should remember before they begin writing essays in English for class 5.

Always first outline your thoughts in rough and then start essay writing for class 5.

Before beginning, ensure that you have understood the essay topic for class 5.

There should always be an interesting and appropriate title to the essay to draw attention and pique the curiosity of the reader.

An ideal essay should be between 300-500 words.

An essay with concise information in simple-to-understand language, is the best, as complicated and difficult words break the reading flow of the reader.

Ensure that your essay doesn’t contain any grammatical mistakes, as it distracts the reader from the main content.

We hope this informative article on essays for class 5 must have helped you know the importance of essay writing in English and that you will start writing essays now. Download the PDFs by clicking on the links provided to start practising essay writing for class 5.

FAQs on Essay for Class 5

1. Where can I find free essay topics for class 5 to practice?

Students can head to Vedantu’s website to avail a plethora of free essay-writing topics for all classes. Students can click on the respective topics to download the free PDFs of essay topics and can practice whenever they want.

2. Write the names of some popular essayists for kids.

Some famous essayists are: Mark Twain, Maya Angelou, Charles Lamb, Leo Tolstoy, Roald Dahl, J.K. Rowling, Gene Luen Yang, Beatrix Potter, C.S. Lewis, Madeleine L'Engle, etc.

3. What is the purpose of writing an essay?

The purpose of writing an essay is for kids to express their ideas, thoughts, and opinions on a specific topic and improve their writing skills.

4. How to start writing an essay for beginners?

To start writing an essay, students must first choose a topic of their choice and can ask a teacher to provide them with one. Start with penning down your thoughts in the form of points. Then write a short and interesting introduction, followed by the body content. End the essay with a summarising conclusion. Remember to check your essay for spelling and grammar mistakes.

5. What are the characteristics of an essay in English?

An essay is short in length, like a short story.

An essay can cover a wide range of subjects, no matter how short.

It is used as a tool for the expression of a writer's personality, as an essay is the representation of the writer's view on a subject.

350 Banking Essay Topic Ideas & Examples

🏆 best banking topic ideas & essay examples, 👍 good essay topics on banking, 🥇 interesting topics to write about banking, 📝 simple & easy banking essay titles, 💡 most interesting banking topics to write about, 📑 good research topics about banking, ❓ money and banking essay questions.

Log Book for Internship With Merrill Lynch Bank As regarding to new skills, I learnt new methods of analyzing companies in the stock market and how to present information gathered to the supervisors/advisors.
The Banking Concept of Education by Paulo Freire This is one of the details that should be taken into account by the readers. This is one of the pitfalls that should be avoided.
JPMorgan Chase Bank: Ratio Analysis The ratios are debt-to-equity, the interest coverage ratio, the equity ratio, and the debt-to-asset ratio. For the years 2017, 2018, 2019, and 2020, JPM had a fixed turnover ratio of 7.
Money and Banking: General Information The essay gives the definition of money and gives a brief description of the functions of money. As a store of value, money can be saved reliably and then retrieved in the future.
Wellfleet Bank Case Study Under Group Risk Committee, the company further delegates duties to: reputational, country, operational, group credit, market risk, business risk, and business risk committees.
The 2008 Banking Crisis in the Documentary “Inside Job” Using the documentary “Inside Job”, the paper presented below asserts that the malpractices of different banking experts, the ethical dilemma revolving around ratings agencies’ actions, and the Gramm-Leach-Bliley and the Glass-Steagall Acts influenced the nature […]
Traditional Versus Modern Banking Essay Traditional banking is characterized by the application of strict regulations, while modern banking is differentiated by the introduction of new laws that resulted in the deregulation of key aspects of the banking industry.
Internet Banking Effects and Results Internet banking has certainly played a key role in the increase and ease of banking services the world over and the reasons for this are not difficult to discern.
The Concept of Usul Fiqh and Qawaid Fiqhiyyah: Shariah and Islamic Banking For such convictions, this essay explores the concept of Usul Fiqh and Qawaid Fiqhiyyah in respect to issues regarding the influence of Shariah on Islamic banking practices Under the Islamic community, Fiqh is a terminology […]
Role of Central Bank If central bank offers credit to the banks at a higher rate, then the rate of interest that commercial banks will offer loans to the public will be high; this reduces the attractiveness of the […]
Ethical Dilemma With the Bank Teller On the other hand, the bank calls for honesty in service and client protection, and given that the teller took the money without permission from an inactive account belonging to a customer it is professionally […]
Corporate Governance Statements: BHP Billiton and National Australia Bank This is to say that corporate governance requirements differ from company to company and from a broader perspective, the success or failure of a given company differs with the corporate governance statement of the company.
Islamic Banking The involvement of institutions and government led to the application of theory to practice and resulted in the establishment of the Islamic banks”.
Factors Which Impact Barclays Bank Political factors refer to the government policies that affect businesses and the extent to which the government intervenes in the economy.
Lloyds Banking Group’s Situational Analysis These products the company has diversified in various products and markets in an attempt to grow and increase its share in the market.
Personal and Organizational Development in Banking My career plan is as in the figure below: – My career goal is to find a job in a bank and gradually grow through the ranks as I gain financial management related skills and […]
Money: Evolution, Functions, and Characteristics It acts as medium of exchange where it is accepted by both buyers and sellers; the buyer gives money to the seller in exchange of commodities.
Bank’s Provided Opportunities to Attract Consumers The offers are the following, to choose the credit card which backs cash when the consumer makes an online purchase, the other option is take the credit card which backs cash when the consumer makes […]
Sustainable Development: The Banking Sector Financial regulators need to establish strong codes of conduct to ensure banks comply with social and environmental regulations. Banks need to include environmental and social compliance in the loan application criteria, before giving out credit […]
Citibank’s E-Business Strategy and Competences Citibank has incorporated the use of e-business in its operation so that it can meet the needs of its customers and to withstand the market pressures which have been changing drastically.this paper has established the […]
Mobile Banking Innovation In the mobile industry, mobile banking is one of the recent innovations that have influenced the operations of the telephone/mobile phone industry positively.
Impact of Cyber Crime on Internet Banking The paper evaluates a con article on ‘The impact of cybercrime on e-banking’ [1]. H2: Identity theft will have a negative impact on the adoption of electronic banking.
Barclays Bank Description Introduction Barclays bank is a UK-based Multinational Corporation headquartered in London and operates in the financial niche. The universal bank was established in 1860 in London as a goldsmith’s lending business offering people loans and saving options. The bank’s resilience in the corporate domain made it navigate all the challenges, and it still operates to […]
Bank of America’s Business Model Elements The organizational structure leverages Bank of America in the following ways. Bank of America has categorized its throughputs into five categories, which are the core products, processes, and services offered.
Ijtihad in Islamic Banking Even though Shariah principles forms the main legal foundation in which most of Islamic banking products and services are based, Ijtihad enables the flexibility of the Shariah principles to suit the changing needs of the […]
Market Elasticity’s in Banking Industry Price elasticity of markets “refers to the degree of change in quantity demanded or supplied of a commodity due to a change in price of the commodity” The formula is: P.E.
The Pros and Cons of Investment Banking The investment banks are also referred to as proprietors since they are involved in trading of marketable instruments using their own money as opposed to that of investors.
IMF and World Bank: A Boon or a Bane for Developing Nations? The amount of interest and other overheads charged on the loans given to the nations in need is simply off the scale.
Wells Fargo Banking Scandal: Ethical Analysis The structure and the business model of Wells Fargo allowed the emergence of the working environment that incited the employees to unethical behaviors.
Digital Trends & Sustainability in Banking It would be accurate to refer to banking as the financial hub of the economy because it is a major industry in the service sector.
Analysis of Al Hilal Bank Launch At the time when Al Hilal was launched, the situation in the world financial system was not favorable. It can be concluded that the banking market at the UAE was not favorable at the time […]
The Banking Concept of Education In the paper, I agree that knowledge gained through experience and active interaction is the most ideal form of knowledge as opposed to the “banking system” in which students are mere receivers and the teacher […]
Current Problems of the Banking Industry At the rudimental level, dynamism and uncertainty of the technological, economic and political environments have made company’s see the light of flexibility and responsiveness.
Customer Satisfaction Management in Banking Sector This fact and a pivotal role of customer satisfaction in the service segment highlighted the essentiality of conducting additional research to discover the most suitable research methods.
The Banking Industry and Interest Rates The government and the central rates have been the major bodies used to determine the interest rates. The main purpose of this study is to determine how the interest rates affect the Competition in the […]
Islamic Banking Sector Issues The key aspects of the Islamic banks in the region are the profit and loss sharing, transparent dealing, lack of interest, lack of speculation and no gambling.
Online Banking and Online Purchases The ethical implications of online banking and online shopping include the privacy of consumer information, the reliability of the transactions, and security.
Is Bonus Banking the Answer? Bonus banking is an incentive plan where some part of the bonus is put aside or banked in a reserve fund rather than paying out the entire bonus amount to the employee. The last variable […]
RBS Citizen Bank Culture and Change Secondly, RBS citizen should consider involving its employees in the design of new changes within the organization. In accordance to this, the RBS citizen administration team explains to their employees the motive of the changes.
The Wall Street Crash Impact on the World’s Banking System The Wall Street Crash of 1929 was one of the most impactful events in the financial history of the United States that also influenced the flow of the global banking operations.
Safaricom’s Mobile Banking When Safaricom launched M-PESA, it commissioned agents in different parts of the country; the agent’s work was primarily to receive deposits from customers and electronically transfer this to the client’s M-PESA account.
Société Générale Bank: Effective Security Controls The management of the bank revealed that Kerviel exploited every loophole to hack the computer operations at the bank. It is also important to list the potential risks because it enables the security personnel to […]
The Employee Benefits Provided by the Bank of America In the process of applying for a job or assessing a certain company, it is crucial to learn about their advantages and unique features. In conclusion, Bank of America features various benefits that provide employees […]
Legal Issues in the Banking Industry The second problem is the complexity of banking operations for foreigners and the low-educated segments of the population. Thus, in banking, employees often face the problems of sexual harassment, complex mechanisms for clients, and digitalization.
Cryptocurrency and Its Impact on the Banking Industry Advanced coding is used to store and transfer cryptocurrency data between the wallet and a public ledger, and encryption is used to confirm transactions.
Overfitting and Bias-Variance Trade-Off in Banking While the training set represents most of the data, the testing set is used to test accuracy by measuring performance separately in the two separate parts of the data set.
The National Bank of Kuwait’s Improvement However, the constant improvement of technology and the introduction of innovations forced the bank to reconsider its policy and introduce a new system.
Ransomware in the US Banking Industry The mismatch can lead to a lack of trust and reputational damages. Data pertaining to the business plans and visions can also be accessed, making it vulnerable.
Tesla Inc.’s Banking Structure and Investments According to Saberi, it represents almost 4% of the world GDP, and, in the context of developed economies, 1% of automotive industry growth triggers respective 1,5% growth in the country’s GDP. Due to the specificity […]
Leadership at Qatar National Bank This paper examines in detail the phenomenon of leadership and its classic types in the light of improving the overall effectiveness of the work team.
Interpersonal Leadership Skills in Bank of America However, it is clear that the issue is not the demographics but the inefficient leadership in the company and the lack of interpersonal skills that would make people want to work at Bank of America.
Big Data Analytics in Central Banking In addition, the rate is integral to the overall cost of living, which parameter is in a cause-and-effect relationship with inflation.
Workplace Inclusivity at International Bank of Commerce Even if employees of color do not ascribe significance to the unequal distribution of power in the bank, the lack of diversity is evident.
Abu Dhabi Commercial Bank PJSC The discussion takes a general overview of the company, its mission and vision statements, strategic goals, and key objectives. The key objectives Abu Dhabi Commercial Bank wants to realize include: Growing transaction volumes and assets […]
Banking System: The Brief Analysis This is a fictional story that comes perilously near to the reality about the basic foundations of modern society. The primary objective of this story is to demonstrate reality’s simple math and the existing banking […]
Bank Pekao S. A.: Performance and Strategy Compared to its peers in Poland, Bank Pekao is uniquely placed as it launched a brokerage house and made practical biometrics technology in the banking industry, contributing heavily to the bank’s assets quality and investment […]
Financial Analysis of Al Ahli Bank of Kuwait Al Ahli Bank of Kuwait’s main competitors include Commercial Bank of Kuwait SAK, Gulf Bank KSCP, Burgan Bank SAK, and the National Bank of Kuwait.
Banking Sector of the United Kingdom At the same time, the banking sector of the United Kingdom had to balance between its financial losses and the ability to provide loans and debt-moratoria in order to support the country’s financial stability. In […]
Case Study of Hong Kong Shanghai Banking Capital From HSBC’s perspective, money laundering represents one of the most significant internal risks due to the worldwide presence, especially in certain economic areas with facilitated financial regulation and considerable economic influence, such as Hong Kong […]
Risk Factors Affecting Bank Nordik’s Operations and Risk Management Control measures adopted by the firm to manage these risk categories are explored in this investigation and the findings used as a justification for the development of a robust risk management plan.
The Albilad Capital Bank’s Mission and Vision Since the bank is striving to renew its mission and vision from the start, it is crucial to identify the values and vectors of direction.
National Australia Bank’s Sustainability Challenges One of the reasons for the success of NAB is the overall strategy of the company, which focuses its capital management on adequacy, efficiency, and flexibility, maintaining the economic balance to support and strengthen the […]
Aspects of Electronic Banking The significance of our study is in the critical issues of e-banking and the areas of improvement that the banks can eliminate or improve to boost customer satisfaction.
The Lebanese-Canadian Bank’s Money Laundering The bank was later banned from using the dollar by the American treasury; this resulted in the collapse and eventual sale of the bank.L.C.B.had to pay a settlement fine of one hundred and two million […]
Alonzo vs. Chase Manhattan Bank, NA Case Study However, the author provides an insight into the matter by claiming that the policy concerning workplace discrimination took a dramatic turn in the early 1960s upon adoption of the Title VII of the Civil Rights […]
Political Theories and the World Bank Known as ‘power politics’ or means to exercise power World Bank massive financial institution which poorer nations depend on for subsidies Manner of soft power of the richer states contributing to the World Bank […]
Misconduct in Banking, Superannuation and Financial Services The company was included in the Royal Commission report due to ASL and NM releasing the trustee duties of their funds because of the AMP Group membership.
Sexual Harassment in Meritor Savings Bank vs. Vinson Case Mechelle Vinson, a defendant and a former employee of the plaintiff bank, filed a lawsuit against the bank and its bank manager Sidney Taylor. Sidney Taylor was the vice president of the bank and the […]
Considerations in Investment Banking However, to ensure a fruitful outcome, the CFO should choose a qualified and experienced investment banker to represent the facility. Secondly, the selected investment banking firm is expected to act as both a matchmaker and […]
The Impact of Bank on the Cost of Financial Intermediation Also, since the two variables are not controlled; bank concentration and national institutions, the research argues, however, that the measures of concentration capture the efficient structure theory and market power theories.
Hongkong and Shanghai Banking Corporation: Approach to Operating in China According to Luthan and Doh, centralization played a significant role in HSBC’s success in the new market. It was also the first company to establish a locally incorporated entity in Taiwan and Vietnam.
Grameen Bank’s Socially Responsible Innovation The bank targets the poor and marginalized with both financial assistance and information to help them grow. The Grameen Bank has continued to register impeccable performance on the social, economic, and environmental dimensions.
A Problem in Implementation of CSR in the U.S. Banking Industry Corporate social responsibility is essential in this age of intense globalization and competition – essential for firms to survive in the competition and also important for firms.
The Bank of America Corporation: Planning & Organizational Analysis The Bank may use environmental adaptation planning activities to enhance external relations with stakeholders such as customers, governments, suppliers and the public.
Digitalization of E-Commerce in Bank of Ireland The interview with the Senior Director in the Property Finance division of Corporate Banking, Michael Murray, revealed the importance of the advance of digitalization for the Bank of Ireland. These and other technologies will enable […]
The 1920 Farrow’s Bank Failure and Its Causes In this context, the company would be resilient to any stresses, and the outcome of the situation may be the opposite.
The Mountain Bank’s Strategy Analysis The most suitable competitive business strategy, in the case of the Mountain Bank is to build the presence in the market of consumer lending and corporate banking.
Banking: Financial Transaction Risks In that case, even the losses-free termination of the transaction would be a failure since the goal of acquisition would remain unachieved.
Bahrain Development Bank: Analysis To identify and develop ways of assessing learning at the working station to facilitate the employees’ skills and competencies. To identify ways of integrating training capability and focus on the organizational processes through skills acquisition […]
ICBC Bank – China: Overview The shifted focus of ICBC’s policy became the major contributor to the growth of the company on the international market and the subsequent cultural changes.
Customers’ Perceptions of M-Banking To find answers pertaining to the major objectives of the study, the gathered data was analysed using SPSS v.23. An exploratory factor analysis was run to group the existing variables into factors, and also to […]
“Attitudes Towards Mobile Banking” Article by Sohail & Al-Jabri In the introduction of the article, much background information, an overall evaluation of the situation in the banking industry, and the purposes of the study are discussed.
The Bank of Toroda: A Stakeholder Approach “Stakeholders are persons, organizations and groups that have to be considered by managers, directors as well as front office workers.”
Corporate Bias in the World Bank Group’s International Centre The institution judges the Pan Rim case neglecting the El Salvador government’s views, local communities, and the Catholic Church. It does not prioritize the protection of the environment and human rights.
Alinma Bank Industry Analysis. Case Study The demand for the services is another essential factor that shows the industry is profitable. The presence of many investors in the country shows that the demand for financial services is high.
Impact of Online Banking on Dubai International Bank DIB has developed t-banking (telephone banking), e-banking (electronic banking) and m-banking (mobile banking) from this trend.
Phishing Victimization on Internet Banking Awareness Therefore, the study is meant to determine and evaluate consumer susceptibility to e-banking victimization through phishing attacks. Subsequently, the study will be designed to evaluate the effectiveness of phishing victimization training to E-banking consumers.
ICT: E-Banking and Firm Performance ICT is concerned with storage, retrieval, manipulation and transmission of digital data. ICT involves software, hardware and systems.
P&G & Royal Bank of Canada’s Securities Valuation The discussion in the paper focuses on the Two-Fund Separation theorem. The discussion also reveals that the asset allocation problem focuses on the allocation of resources between two risky assets.
Governance Failures in Australian Banking Sector Firstly, executive compensation in the Australian banks was not tied to performance outcomes, and, secondly, the major problem in the CEOs’ conduct was related to the field of ethics.
Hongkong and Shanghai Banking Corp and Wells Fargo Speaking of the Income Statement, Wells Fargo wisely divides it into interest income and expense and non-interest income and expense, and this aspect eases the overall calculations of financial ratios.
Noor Bank’s Balance Sheet and Income Statement The bank’s operating income from Islamic banking and sukuk amounted to more than 895 million AED compared to 678 million AED in the previous year.
Banking Institution and Transaction Regulations In the case of Brittany, it is the duty of the bank to authenticate all transactions on her account. In the process of negotiation, most parties often focus on the substance of the deal and […]
Bank of America’s Strengths and Weaknesses Interestingly, even non-banking institutions such as Quicken Loans and Leader Bank have started to claim a share of the market held by Bank of America. The root cause of the Bank’s mortgage troubles emanated from […]
Bank of America’s External Analysis in 2013 Among the major lenders in Massachusetts, for instance, Bank of America was the only bank that recorded a notable decline in the volumes of purchase and refinancing loans relative to other years. Apparently, competition has […]
Sales Portfolio: A Bank Mortgage and Marketers Although a mortgage has several advantages to both the commercial institution and the customer, it has its share of disadvantages. Many clients are reluctant to take up a mortgage because of the high interest rates.
Banking With WikiLeaks If Wiki Leaks has the right to be served by a financial institution, the company must ensure that it does not harm the operations of the institution.
The Essence of the Islamic Banking System Riba of the Quran is called Riba An-Nasiyah and riba of the of Sunnah is called Riba Al Fadl. In the context of Islamic banking system, gharar is excessive uncertainty.
Factors Effecting Bank – Borrower Relationship in UAE The Middle East region’s banking industry is one of the fastest growing in the world. It is projected that the industry will get even better in the future due to the nature of the business […]
Bank of China Limited: Overview That said the objective of my effort is to present a report on the Bank of China’s IPO of 2006. This listing was exceptional since it was the only bank of China that had managed […]
Banking Industry: Successes and Failures These banks are regulated by the federal government and are required to be members of the Federal Reserve. However, these banks are not compelled to be members of the Federal Reserve.
Commercial Bank of Australia Ltd vs. Amadio The decision by the court held that the bank manager and the commercial bank were aware of the special disadvantage of the Amadios and made no substantive efforts to ensure that Amadio clearly understood the […]
Mortgages Offered by the RBC Royal Bank From your profile and to the best of my knowledge, I take pride to inform you that we have five financial investment products that best suit you.
Banking and Financial Markets: Asset-Backed-Securities Thus, there are four notable main stages in the process of creating the asset-backed securities and these include: Segregation of assets from originator or seller Creation of a specialized functional vehicle to seize the asset […]
Analyzing and Managing Systematic Risks in Banking Risk assessment is done to ascertain the nature of task before deciding the strategy of responding to it. Analysis and management of risks requires one to identify the nature of the risk involved.
Islamic Banking in Dubai and the UAE In an Islamic environment, the approach to financial operations such as the law of contracts, nature of property, interest rates and business transactions is quite different from the rest of the world.
Deutsch Bank Analysis and Performance Forecast The big bonus for banks came in the form of the Securitization Bill, which gave banks and institutions opportunity to recover from bad debts.
International Banking: New Basel The combination of the four changes in 2004 intended to speed up off-balance sheet mortgage securitization as the main avenue to drive the revenue together with the share price of banks.
Barclays Bank: Management Accounting Report This team assists the management in the gathering of information that is unilaterally used in management accounting to address specific challenges in the bank.
BNP Paribas International Banking Networks In the United States, the bank has a strong presence in the western part of the country, whereas, in Asia, it has fixed a secure and fast-growing business.
Riyadh Bank: The Historical Financial Analysis By the end of the third quarter of the year 2011, the organization has recorded a 15% increase in its net profit.
Budgeting of HSBC Bank UAE Branch Looking at their financial statements one will note that they are quite detailed with lots of financial items, which are specific to the bank, and understanding them requires referral to the notes accompanying the financial […]
Westpac Banking Corporation Analysis and Forecast The entry of foreign banks as well as the building societies which were speedily developing into banks and the emergence of other financial institutions increased competition in the Australian financial market.
The Analysis of Banorte Bank in Mexico The scrutiny of the bank’s fundamentals and variables of the bank form part of the report. Financial analysis and forecast of the bank’s financial performance is the major objective of the report.
Case on Private Equity in Saudi American Bank The problem was that the firm’s investment manager was investing for the first time and therefore, he had many questions to ask before he finally made the decision to invest in the company.
Commercial Banks and the Northern Rock Crisis Bank Roles Prior to the actual analysis of the case of the Northern Rock bank is a brief background that elaborates the scenario of the Northern Rock Bank Crisis.
Bank (HSBC) and Life Insurance Company (Protective) The report also investigates the profitability of the two companies, the metrics used to measure profitability, variation in the last five years and the reasons for these variations.
Investment Banking and Operations Management In a steady market, the bank uses the information conveyed in prices of assets to significantly allocate capital resource to the most profitable and ultimate use.
Investment Banking and Global Operations Management Essentially, banks engage in securitization process to increase their uncertain profit opportunities and also to adjust their asset portfolio Entering into the security markets through the perspective of the original financial institution is of great […]
Online Banking and Cryptographic Issues A disadvantage of online banking is that it inherently reduces the interaction between banks and their customers and in addition, security is not guaranteed in this type of banking, that is, hackers have a chance […]
The Failure of Superior Bank The crisis in Superior Bank was associated with the fact that the directors failed to observe and address risky financial management strategies that were followed in the organization, and the regulators did not pay much […]
Criminal Law & Bankruptcy: Bullard vs. Blue Hills Bank The action by the court caused Bullard to appeal against the decision to the BAP to which the BAP concluded that the denial was not the final.
Time Value of Money: Choosing Bank for Deposit The value of the money is determined by the rate of return that the bank will offer. The future value of the two banks is $20,000 and $22,000 for bank A and bank B respectively.
First Citizens Bank’s Financial Income in North Carolina The income analysis pertains to a comparison of the profit, revenue, income and profit of the institution in the recent year for analysis on the position of the company.
Financial Risk Management in Islamic Banking Ahmed defined Islamic financial as a system of finance based on principles of Islamic banking, and that operates under the ethics of Islamic teaching.
Finance & Banking: Blades Corporation This is because of the volatility of international currencies and the risk that the changes in the value of the currencies will result in a loss from trade receivables and/ or payables depending on the […]
The Role and Functions of Law in the Banking Industry The first part provides answers to questions regarding the Cipollone versus Liggett Group case, the second part discusses the role and functions of law in the banking industry, and the third part looks at future […]
The Crime of Robbing the Big City Bank Combined with eyewitness testimony and video evidence, it can be stated beyond all doubt that Clark was guilty of the crime.
Citi Bank: Business and Corporate Law The enforces a number of Acts that include the Investment Advisers Act of 1940, the Securities Act of 1933, the Securities Exchange Act of 1934, the Investment Company Act of 1940, and the Sarbanes Oxley […]
The Banking Industry: Brief Analysis They include the open market operations that are meant to regulate the amount of money in the reserve. This is important because it influences the transactions in the other parts of the economy, such as […]
First Gulf Bank Financial Activity The retail bank consists of accounts, deposits, credit cards, safe deposit lockers, loans and mortgages; the First Gulf Bank is the largest bank in United Arab Emirates with shareholder equity of over AED 20 billion […]
Forecasting of National Bank of Greece (Nbg Bank) Current liabilities are short term obligations that occur in the course of running the firm and have direct associations with sales.
Banking Analysis: Review The chart shows a continuous increase, with a few years of drop; but the scale of the chart for the most part is upward. The trend of consolidation comes across in the presentation of the […]
Islamic Finance and Banking. Basic Islamic Principles The Islamic banks approach to lending is very unconventional in that the bank does not give out the loan to a borrower per se, but instead acquires the asset on behalf of the borrower who […]
World Bank Mining Industry Forecast Therefore, this document will use the data provided by the bank to give a projection of mining, in a global capacity.
Corporate Cyber Risk Assessment: Bank of America Arguably, one of the most epic accomplishments of the 21st century was the invention of the computer and the subsequent creation of the internet.
Ethics in the Banking Industry in the UK It may be argued that organizations may require ethics as the part of their practices in the industry, but it may not be the essential or core part in any institution, specifically in the organizations […]
The Economy: The US Banking System Capital formation refers to the distraction of the economy’s productive capacity for the creation of capital goods which eventually increase the productive capacity in the future.
Banking Contract and Fiduciary Obligations The paper explores the relationship between a bank and a customer from the perspective of fiduciary obligations of a banking contract.
Bank Loans and Deposits Role in Saudi Arabia Monetary System The major feature of Islamic banking is confined to the bank’s concept of Profit and Loss Sharing, in this arrangement the banks depositors are strictly speaking not creditors to the bank per se, but rather […]
Case Analysis on Banking Industry of Germany The globalisation and competition of the banking industry have increased because of the growing importance of banking in the marketplace. The decisions of Basel II and the EU for public sector banking and capital markets […]
Bank Fraud: Easyloan Bank Ltd and ABC Pty Ltd This is similar to the situation in the US where the office of the Attorney and a section of the Criminal Fraud Department of Justice handles mortgage prosecution cases.
Unremunerated Reserve Requirement Policy: Central Bank of Thailand Under the impact of the World War II, the government of Thailand upgraded the status of the Bureau to that of a central bank by passing the Bank of Thailand Act in the year 1942.
Solvency Risk and Liquidity Risk of a Bank Differences The aim of this report is to identify the meaning of the solvency risk, liquidity risk, credit risk, dynamic provisioning, and the effective control of the solvency risk besides the problems which the bank encounters […]
The Banking Crisis of 2007-2010 The role of Credit Rating Agencies in the subprime mortgage-related securities market turmoil was scrutinized by the Securities and Exchange Commission.
Banco Popular Español and the Saudi Investment Bank In this paper, the analysis of two banks and their risk management will be given: Banco Popular Espa ol S.A.with its abilities to take care of liquidity, credit, and other risks and the Saudi Investment […]
Comparative Study of Conventional and Islamic Bank Performance in the GCC Segregated by bank group and criterion variable, the correlation-based shortlist of independent variables are as shown in tables 1 to 3 below and overleaf.
Economic Development as the Key Driver of Global Private Banking and Wealth Management Industry The reverse reality of salient features of wealthy people in different parts of the world is the observation that the vast majority of the populace live in poor and deplorable conditions.
Bank of America: The Staffing Process The effectiveness of staffs recruited in the bank depends on the ability of the bank to recruit the most suitable employees.
The Royal Bank of Canada: Investment Analysis and Management As a result, the regional bank grew to a national bank and this success is not only attributed to the strategies of the institution itself but also the role played by the people of Canada […]
Comparison Between Saudi Hollandi Bank Suk vs. Bank Bonds Besides, another factor is that through investments in such bonds, the investor gains certain amount of ownership in the assets of the company in the extent of his investments, which unfortunately is not possible in […]
UBS Investment Company in the Swiss Banking Sector The relation of the Swiss banking industry with Swiss economy and the future aspect of investment in the industry are discussed.
Saudi Banking Industry and Riyad Bank’s Performance In this context this paper analyzes the performance of the Saudi banking sector during the period from 2003 to 2007 in general and that of Riyad Bank, one of the major players in the Saudi […]
Fransi Bank’s Financial Analysis and Forecast The financial analysis reveals the financial performance of the bank and the key factors that help the bank to be a leading organization in the industry.
UK Banking Sector Recovery Plan The objective of the analysis is to identify the possible benefits, weaknesses and implications of the plan to the British economy.
Three Financial Ratios for Stock Investor and Bank However in the stock investor will be looking for a long-term capital gain, the equity debt becomes more important since the stability of the company would be more important than the current liquidity.
Changes in the UK and US Banking Industry In the 1980s the US banking industry experienced increased transformation to the regulation of the financial institution by the Federal bank.
Al-Rajhi Bank of Saudi Arabia vs. Dubai Islamic Bank For the purpose of our assignment, we will use values of the total share capital of the year, the profit for the year, and the dividends paid to the shareholders of the banks.
The Bank of England and the Financial Services Authority One of the most crucial changes that the agreement effected was the removal of the supervisory and regulatory role of banks from the Bank of England to the FSA.
Trails to Success: Bank of America
Performance Evaluation of Al Rajhi Bank
Ethical Implication of Banking Bailout
Corporate Security Strategy: Financial Risks in Banking Sector
Customer Service Improvement Project at Qatar National Bank Evaluation
Theft and Workplace Problems: The Accidental Bank Robbery
Why Do Banking Policies Need To Keep Up With The Times?
Chase Bank Company Analysis
Creditpia’s Banking Sector
Reforms Necessary in the Banking System
Lloyds and Northern Rock Bank Buildings Semiotic Analysis
Goldman Sachs Bank in Economic Turmoil
HSBC – Criticised Over Their Banking Methods
Background About Garati Bank in Turkey
Home Loan Offered by Bank of America Corporation (BAC)
Total Quality Management in Abu Dhabi Commercial Bank
CRM Implementation Project for the Bank
Abu Dhabi Commercial Bank: Corporate Governance Principles
The World Bank: Definition and Activity
Network Information and Activity Times in Banking Firm
Business Strategy: Mountain Bank
Case of Westpac Bank & St. George Bank Merger
Andrew Jackson and the “Bank War”
Diversity of Employees in the Boston Bank
Adopting a New IT Strategy in SBI Bank
Kiboko Bank: Business Ethics Issue
Grameen Bank’s Concertive Control Systems
Bahrain’s Al Salam Bank’s Offer for Bahraini Saudi Bank
Young Depositors and Face-To-Face Banking
Threat of New Entrants to Commercial Banking Industry
Oil Pricing and Demand in Connection With the US Banking System Position
Production & Organization Management in a Refinancing Organization
Standard Chartered Bank: Problems and Solutions
Competitive Advantage Source: Westpac Banking Corporation
World Bank – IMF and the United Arab Emirates
The United States Banking Industry: Economic Profile
Money and Banking. Financial Markets
Integration of E-Commerce Websites in Banking Systems
Global Banking Secrecy Toolkit
Banking in Saudi Arabia: Main Facilities, History, and Future
“Data Mining and Customer Relationship Marketing in the Banking Industry“ by Chye & Gerry
Kuwait’s Banking Sector Overview
Competitive Advantage in the Banking Sector
Global Reputation and Competitive Advantage in Banking
International Banking System
“A Century of US Central Banking” by Bernanke
Gambling, Fraud and Security in Banking
Banking and Risk Management
Banking Systems Success in Canada and Australia
Banking and Monetary Policy During Recession of 2008-09
Dubai Macroenvironmental Analysis for Banking
Banking: Interest Rates and Credit Creation Process
Banking in David Ashby’s “Money Mechanics”
Banking Sector in the State of Kuwait
International Banking Sector: Financial Regulation
Kuwait Economy and Corporate Governance in Banking Sector
Bond Market and Banking in Gulf Countries
Westpac Banking Corporation Risk Management Policy
Citigroup: Credit Default Swaps in the Banking Industry
Risk in Banking Internal Control System
Hong Kong and Shanghai Banking Corporation’s Entry Into Japan
Banking Instability During the Global Financial Crisis
Satisfaction Management in Banking Industry
Hong Kong and Shanghai Banking Corporation Holdings
Retail Banking Products and Services
The Shift From Physical Personal Banking to Online Banking
Mobile Banking Adoption: Challenges and Solutions
Banking Industry Guidance
Employee Turnover Rate in UAE Banking Sector
Islamic Banking: Sales and Lease-Centered Models
Arbitration in Islamic Banking and Finance Dispute
Chief Information Officer’s Role in E-Banking
The Shadow Banking System: Financial Crisis Source
China Banking Supervision System: Defects and Improvement
Online Activity of Banking Sector in the UAE
Operational Risk in Conventional and Online Banking
UAE Banking Industry’s Status in a Global Context
Customer Engagement in the Greek Retail Banking Sector
Landsbanki Banking Analysis and Bank Alternatives
Kenya as a Leader in Mobile Banking of the World
Resistance to Change in Banking Orhanisations
Resistance to Change in the Banking Sector
Customer Service in the UAE Banking Sector
Australia and New Zealand Banking Group Management
Corruption and Ethics in China’s Banking Sector
Islamic Banking Principles and Relevance
Islamic Banking: Tools and Techniques
Banking Sector Cyber Wars and International Hacking
Islamic Banking and Financial Markets Critical Issues
JP Morgan Chase’ Banking Analysis
Banking Institutions Improvement
The Basel Committee Role in Banking
China’s Banking Sector Analysis
Greenbelt Banking Company’s Human Resource Management
Islamic Banking Principles
Banking Regulation and Taxation
UAE’s Banking Industry Analysis
Money and Banking: The Economic Recession of 2007
The Russian Banking Sector
The Use of CRM in Australian Banking Industry
Money and Banking: David S. Ashby’s Perspective
Big Four: Banking in China
Banking Credit Risk Management
How to Keep Customers Loyal to Online Banking
Banks, Bank Firms and Financial Intermediaries
Market-Based Versus Bank-Based Financial Systems
Bank Mergers and Cost of Capital
Managing People in the Bank of America
The Implications of Internet-Banking on Bank Profitability
Service Quality Model in Internet Banking and Finance
Projected Customers Maintaining Strategies in Banking Industry
The Banking Industry in the United Arab Emirates
IPScape in the Australian Banking Sector
Bonus Banking: Case of UBS
Crossvergence in the Banking Industry
Ameribank and Online Banking
Benchmarking in the Investment and Banking Sector
Overcoming the Debt Crisis by European Banking Sector
National Bank of Kuwait: Employee Appraisal Problem
An Investigation of the Sustainable Benefits of Agency Banking in Kenya
HSBC Bank’s Kenyan Entry Strategy
The Basel Committee on Banking Supervision
Bank of America and Silver A-Plus Card
An Evaluation of the Economic Issues Identified in the ICB Report on Banking
Comparison of the United States and Saudi Arabian Banking Sector
Crisis in the Banking System of Korea
Financial Industry Analysis on MCU Sustainable Banking
Problems in Banking Regulation
Central Banking and the Money Supply
The Different Roles Played By the Central Bank, Depository Institutions, and Depositors in the Determination of Money Supply
The UK Banking Practice That Led to Financial Crisis
Human Resource Management at the Bank Alfalah
Bank of America: Realizing Servant Leadership
A Marketing Research on Mobile Banking
The Too Big to Fail Phenomena in the Banking Sector
A Report on Customer Driven Marketing Strategy for Easy-Pay Mobile Banking Service
HSBC Holdings: Chinese Banking Sector
Federal Reserve; Money and Banking
Employee Motivation Factors in Banking
Crisis Management: Online Banking Security Breach
Mobile Banking in Saudi Arabia: Towards Understanding the Factors that Affects the Sector
Banking Industry Analysis
The History of U.S. Banking Crises: Cause and Effect
What Is Current Research in Money and Banking?
What Is the Study of Money and Banking?
What Are the Advantages of Banking?
U.S. Money and Banking: What Is the Key Issue Facing Us?
What Are the Main Topics of Money and Banking?
What Is the Best Research Topic in Money and Banking?
What Is the Divergence Between Accounting Standards and Banking Regulation?
What Were the Causes of the Banking Crisis of the 1930s?
What Are the Types of Banking?
What Is the Biggest Problem in Money and Banking?
How Do I Choose a Topic for Research in Money and Banking?
What Are the Most Important Money and Banking Services?
What Is the Banking System Like in South Korea?
What Are Some Good Thesis Topics in Finances and Banking?
What Are the Money and Banking?
What Are the Types of Money and Banking?
Why Is Banking Research Important?
What Are the Main Functions of Money and Banking?
What Is the Main Role of Banking?
What Do You Study in Banking?
What Are Money and Banking Used For?
Who Invented Banking?
What Are Basic Money and Banking Skills?
What Does Mobile Banking Need?
What Are the Categories of Money and Banking?
What Is the Purpose of Money and Banking?
How Does Islamic Banking Work?
What Is the Connection Between Accelerating Inflation and Decreasing Effectiveness of Banking Regulation?
What Is the Role of Money and Banking in the Economy?
What Are the Current Trends in Banking Industry?
Cost Accounting Essay Topics
Crisis Management Essay Titles
Corporate Finance Essay Ideas
Forecasting Questions
Insurance Ideas
Risk Assessment Questions
Quality Assurance Questions
Private Equity Research Ideas
Chicago (A-D)
Chicago (N-B)

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Essay for Class 5 in English | List of Essay Topics for Grade 5 Students

Essay Writing is a great piece of work to teach or Improve your Child’s Writing Skills. We are with you in this and compiled Essay for Class 5 in English covering frequently asked essay topics from different categories. Increase your vocabulary and develop a strong command over English by reading and practicing various Essay Writing Topics. The Content in the Sample Essays for 5th Std Students is written in a simple and easy to understand language. You can access both Short and Long Essays on the Most Common Topics and use them as a part of your competitions or speeches.

Essay Topics List for Class 5 Children

All the Essay Topics for Grade 5 Students are written in a simple language keeping in mind the student’s level of understanding. Access the Essay Writing Topics & Ideas for 5th Standard Children available through the quick links and tap on the respective topic you wish to see. By reading and writing using the Class 5 Essays you can improve your vocabulary as well as get uniqueness to write an essay on your own. By doing so you can learn how to put your thoughts into words.

My School Essay for Class 5
Essay on Earth for Class 5
Rainy Season Essay in English for Class 5
Essay on Holi for Class 5
Essay on Christmas for Class 5
Essay on My Mother for Class 5
Essay on My Country for Class 5
Essay on Television for Class 5
Short Essay on Pollution for Class 5
Essay on Discipline for Class 5
Essay on New Year Resolution for Class 5
Essay on Mahatma Gandhi for Class 5
Essay on Republic Day for Class 5
Happiest Day of My Life Essay for Class 5
My Birthday Party Essay for Class 5
Honesty is the Best Policy Essay for Class 5
Essay on Earthquake for Class 5
Essay on Flood for Class 5
Essay on Water Pollution for Class 5
Essay on Environment for Class 5

FAQs on Essay for Class 5

1. What is the best and simple way to write an essay?

The best way to write an essay is to jot down what you are going to write beforehand. Not just the Essay make sure you have a structure too in mind. This really helps and is the simplest thing to write an essay.

2. Where do I find Some Good Descriptive Essay Topics for Grade 5 Students?

You can find some Good Descriptive Essay Topics for Grade 5 Students on our page.

3. What Should a Good Essay Have?

A good essay should have a bang-on opening statement that draw’s the attention of the users followed by a thesis statement and then a conclusion or a closing statement supporting your ideas. The Idea of each paragraph should be well explained and try considering examples too in between.

Final Words

We believe the knowledge shared regarding the Essay Writing Topics for Class 5 has shed some light on you. If you have any other queries or want us to add more such topics do leave us your suggestions and we will look into them. Stay in touch with our site to avail latest updates on Essays for the Most Common Topics of Students belonging to Different Grades.

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✍️Essay on Online Classes: Samples in 100, 150, 200 Words

Updated on
Oct 20, 2023

Online classes, also known as virtual classes, have over time revolutionized education. They are known for providing students with the flexibility to access educational content and at the same time interact with professors in the comfort of their homes. With time, this mode of learning has gained huge popularity due to its accessibility and the ability to cater to diverse learning styles.

In this digital age, online classes have become a fundamental part of education, enabling all individuals to acquire knowledge, skills etc. Are you looking to gain some more information about online classes? Well, you have come to the right place. Here you will get to read some samples of online classes.

Table of Contents

1 What are Online Classes?
2 Essay on Online Classes in 100 Words
3 Essay on Online Classes in 150 Words
4 Essay on Online Classes in 200 Words

What are Online Classes?

Online classes are educational courses or learning programs which are conducted over the Internet. They provide students with the opportunity to study and complete their coursework remotely from the comfort of their homes. Online classes are a part of formal education. They can be taken in schools or colleges or can be offered by various online learning platforms.

Online classes may include a variety of digital resources as well as tools. These may include quizzes, assignments, video lectures, discussion forums, connecting with friends via email, chat video calls etc. This type of learning offers the student flexibility in terms of when and where they can access their coursework and study. It is also helpful for those who study part-time have busy schedules and prefer remote learning.

With the onset of COVID-19 , online classes became a huge hit hence the evolution of online classes. It offers one with different levels of education, skill training and much more.

Essay on Online Classes in 100 Words

Online classes have become a central aspect of modern education. They offer flexibility, accessibility, and convenience, allowing students to learn from the comfort of their homes. The rise of online classes was accelerated during the COVID-19 pandemic, making a shift from traditional classrooms to virtual learning environments.

However, there are many disadvantages to online classes. Students may struggle with distractions, lack of in-person interaction, and technical issues. Additionally, they have opened up new avenues for global collaboration and lifelong learning. In an increasingly digital world, online classes are likely to remain a significant part of education.

Essay on Online Classes in 150 Words

Online classes have become a prevalent mode of education, especially in the past two years. These digital platforms offer several advantages. First, they provide flexibility, allowing students to learn from the comfort of their homes. This is especially beneficial for those with busy schedules or who are studying part-time.

Second, online classes often offer a wider range of courses, enabling learners to explore diverse subjects. Additionally, these classes promote self-discipline and time management skills as students must regulate their own study routines.

However, there are challenges associated with online learning. Technical issues can disrupt classes, and the lack of face-to-face interaction may hinder social development. It can also be isolating for some students.

In conclusion, online classes offer convenience and a variety of courses, but they also present challenges related to technology and socialization. The future of education likely involves a blend of traditional and online learning methods, catering to diverse learning needs.

Essay on Online Classes in 200 Words

Online classes have become a prevalent mode of education. However, this shift has brought about both advantages and challenges.

One significant benefit of online classes is accessibility. They allow students from diverse backgrounds and locations to access quality education without any constraints. This inclusivity promotes diversity and global learning experiences. Additionally, online classes often offer flexible schedules, enabling students to balance their studies with other responsibilities.

However, online classes present challenges too. Technical issues and a lack of face-to-face interaction can hinder effective learning. Students may even struggle with self-discipline and motivation, leading to a decline in academic performance. Moreover, the absence of physical facilities like libraries and laboratories can limit hands-on learning opportunities.

In conclusion, online classes have revolutionized education by providing accessibility and flexibility. Yet, they also pose challenges related to technical issues, motivation, and practical experiences.

Every student has their own pace of study, and this is where distance learning’s benefits really shine. You can go at your own speed in online classes, go over the material as needed, and complete the work in a method that best suits your learning preferences.

Online courses can be successful provided they are well-designed and delivered, just like any other course or programme. However, this depends from person to person as not every student is meant for online classes.

In online education, students get to study online using a computer/laptop and only need a proper internet connection.

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Malvika Chawla

Malvika is a content writer cum news freak who comes with a strong background in Journalism and has worked with renowned news websites such as News 9 and The Financial Express to name a few. When not writing, she can be found bringing life to the canvasses by painting on them.

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In the short term we want to look at different services banks provide to us as most of the people are not aware of online banking. Online banking is a new concept in our country and we try to look at why online banking is superior to traditional banking system. We also try to look at wheatear our findings match with what we have learnt in the class or not... displayed 300 characters

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We have seen our online banking system is not that much popular like other countries and we are facing many difficulties. So our long term objective is to find out what the problems of online banking system has in our country and how we can minimize those problems. Our main concern of this report is to make online banking system popular by overcoming the difficulties... displayed 300 characters

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High-Yield Savings Account Rates Today: July 31, 2024

Fact Checked

Published: Jul 31, 2024, 6:00am

High-Yield Savings Account Rates Today: July 31, 2024

Rates on savings accounts are mixed compared to one week ago. You can now earn 5.84% or higher on your savings.

In the market for an account where you can put some money aside? Here’s a look at some of the best savings rates you can find today.

Related: Compare the Best High-Yield Online Savings Accounts

Highest Savings Account Rates Today

TYPE	HIGHEST RATE	AVERAGE APY

Traditional Savings Account Rates Today

Traditional savings accounts, called “statement savings accounts” within the banking industry, are notorious for paying paltry interest rates. That has changed, thanks to the Fed’s campaign of interest rate hikes to combat inflation last year. But even though the Fed hasn’t raised its rate since July 2023, consumer deposit yields remain high.

Today’s highest rate on a standard savings account with a $2,500 minimum deposit requirement is 5.84%, according to data from Curinos. If you spot a basic savings account with a rate in that general area, you’ve found a good deal. One week ago, the best yield also was 5.84%.

Today’s average APY for a traditional savings account is 0.24%, Curinos says. APY, or annual percentage yield, reflects the actual return your account will earn in a year. It includes compound interest, which is interest that builds on the interest already in your account.

High-Yield Savings Account Rates Today

High-yield savings accounts generally pay considerably higher interest than conventional savings accounts. But the trade-off is you may have to jump through some hoops for the bank or credit union. Often, that means making a large deposit to open the account.

On high-yield accounts requiring a minimum deposit of $10,000, today’s best interest rate is 5.35%. That’s unchanged from one week ago.

The average APY for those accounts is now 0.24% APY, about the same as a week ago.

On high-yield savings accounts with a minimum opening deposit of $25,000, the highest rate offered today is 4.97%. You’ll be in good shape if you can find an account offering a rate close to 4.97%. Last week at this time, the best rate was a similar 4.97%.

The current average is 0.26% APY for a high-yield account with a $25,000 minimum deposit. That’s above last week’s 0.25%.

How High Can Savings Rates Go?

That’s tough to say—it depends on the path of inflation and the overall economy.

The highest interest rates in recent history were seen in the early 1980s when the Fed hiked the federal funds rate to over 19%. That was in response to record-breaking inflation that had prices rising at a rate of over 14% annually.

In the early 1980s, the average five-year CD paid almost 12%, compared to less than 2% today, according to Bankrate data. Savings rates eventually fell as inflation cooled and the federal funds rate was brought back down.

Methodology

Curinos determines the average rates for savings accounts by focusing on those intended for personal use. Certain types of savings accounts—such as relationship-based accounts and accounts designed for youths, seniors and students—are not considered in the calculation.

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Managing Editor, Global Data and Automation for Forbes Advisor. Mitch has more than a decade of experience as personal finance editor, writer and content strategist. Before joining Forbes Advisor, Mitch worked for several sites, including Bankrate, Investopedia, Interest, PrimeRates and FlexJobs.

A Harris Economy Could Prove More Progressive Than ‘Bidenomics’

As a presidential candidate in the past, the former California senator pushed for higher taxes and bigger housing investments.

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Vice President Kamala Harris rests her chin on her hand as she sits at a table with a seal on the front that says “vice president of the United States.” In the background are American and other flags.

By Alan Rappeport

Reporting from Washington

Published July 21, 2024 Updated July 22, 2024

At the first Democratic presidential debate in 2019, Kamala Harris, then a senator from California, unleashed a scathing critique of the Trump economy.

The future vice president billed President Donald J. Trump’s tax cuts as a giveaway to the rich, argued that the booming stock market was leaving the middle class behind and warned that his reckless trade agenda was hurting farmers in the heartland.

“Frankly, this economy is not working for working people,” Ms. Harris said. “For too long the rules have been written in the favor of the people who have the most and not in favor of the people who work the most.”

As Ms. Harris prepares to potentially replace President Biden atop the Democratic ticket , she now faces the challenge of articulating her own vision for steering a U.S. economy that is still grappling with inflation while drawing sharp distinctions with Mr. Trump, who has promised more tax cuts and tariffs.

Ms. Harris has been an ardent defender for the White House’s economic agenda during the Biden administration, promoting the benefits of legislation such as the American Rescue Plan of 2021 and the Inflation Reduction Act of 2022. But as an attorney general and a senator, she was at times more progressive than the president, pushing for universal health care while calling for more generous tax benefits for working-class Americans and paying for them with bigger tax increases on companies.

In recent weeks, Ms. Harris has embarked on an economic “opportunity tour,” making the case that wage increases have been outpacing inflation, that manufacturing jobs are growing and that Democrats have been fighting to forgive student loan debt. Those arguments now foreshadow the case she will be making to voters as she runs against Mr. Trump.

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Money blog: Major boost for homeowners as interest rate finally cut - here's what it means for mortgages

Welcome to the Money blog, your place for personal finance and consumer news and tips. This afternoon's focus will largely be on the Bank of England's decision to cut the interest rate from 5.25% to 5%. Leave your thoughts in the comments box below.

Thursday 1 August 2024 22:11, UK

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Ask a question or make a comment

Here's a round up of some other consumer news that's been happening while our focus has been on interest rates...

US fast food giant Taco Bell is expanding the use of artificial intelligence to take orders at hundreds of its drive-thrus.

The voice AI system - which interprets customers' orders based on voice recognition - has been in development for more than two years.

The Mexican-themed chain is already operating the system at more than 100 sites across 13 US states.

TalkTalk is likely to default on its debts, a ratings agency has warned.

The broadband provider has been moved from a "substantial" credit risk to a "very high level" risk after the ratings agency Fitch cut the company's credit rating.

The company has two repayment deadlines in November and February last year and owes £1bn to lenders.

Earlier, reports emerged that TalkTalk founder Sir Charles Dunstone was trying to finalise a £200m lifeline as the company tries to avoid a collapse.

A mattress company has agreed to change its sales practices after the Competition and Markets Authority (CMA) said it misled customers about price reductions and put unfair pressure on them to make quick purchases.

The company has now signed formal commitments known as undertakings. It has committed to action, including:

Genuine discount claims : Simba Sleep will ensure any "was" price is genuine - in other words, that they actually sell a sufficient volume of the product at that price before using it as a "was" price;
Countdown clocks: Simba Sleep will ensure that any countdown clocks used on its websites are clear, specify prominently which products they apply to, and do not give consumers a false impression that they must act quickly (or that when the clock ends the product will revert to the "was" price) if this is not the case.

There's good and bad news for the chancellor in today's interest rate cut, analysts have suggested.

The cut has been possible because inflation has fallen to target 2%. Rates are elevated to discourage spending and encourage saving - when this happens, price rises tend to slow.

Laith Khalaf, head of investment analysis at AJ Bell , says the cut to 5% "marks a significant victory in the fight against inflation", but there's still some way to go.

Most importantly, "we haven't spun off into an inflationary cycle like in the 1970s", he says, meaning Rachel Reeves can breathe somewhat easy on that front.

"But inflationary pressures are still lurking. The energy price cap is expected to rise this winter, public sector pay agreements might push up prices, and a second Trump presidency in the US could stoke further global inflation through tax cuts, tariffs, and tough immigration controls," he says.

"The bad news for Rachel Reeves is the Bank of England reckons economic growth will remain limp, with GDP growing by just 0.8% over the next year," Mr Khalaf says.

He caveats that by noting that the Bank is not well known for optimism in projections.

"This is evidenced by the fact the Bank has just upgraded its forecast for economic growth over the last 12 months to 1.5%, from 0.5% only three months ago."

Many of you will know that while today's decision is great news for those with a mortgage, it's not so good for savers.

That being said, the cut today may not do as much damage as some may fear.

We spoke to Mark Hicks, head of active savings at financial services firm Hargreaves Lansdown, to explain why...

"A rate cut is never going to be music to the ears of savers, but this shouldn't do too much damage - the market was split on whether we were going to get a cut, so decisive action from the Bank of England is going to mean some banks bring rates down slightly, especially among easy access accounts, but we're not expecting massive movements," he says.

He says what really matters is what happens around expectations of rate cuts in the future.

"If the Bank of England decides to cut rates twice and then pause, we should see minimal disruption to the savings market," he says, but "more consistent rate cutting of four or more would drive greater savings rate change".

What savers should be looking at

As it stands, the market is currently not predicting any significant falls for savers.

"At the moment, the highest easy access rate and one-year fixed rate accounts still pay over 5%, so savers can still beat inflation by an impressive margin," Mark says.

The highest easy access rate on HL Active Savings is 4.67% and the highest fixed rate is 5.06%, he adds.

"When you add in the effect of the current cashback deal, this takes it to 5.26%."

Mark says if you don't need the cash for a while, fixed term rates offer the best returns from a risk reward perspective, "so it's worth securing a rate by considering a fixed rate deal while these rates last".

Money blog regular David Hollingworth, associate director at L&C Mortgages, has taken a look...

Tracker rates

Those on tracker rates will feel the most direct and immediate benefit. The mortgage rate is directly pegged to base rate so will naturally reflect the cut in base rate. You should receive confirmation of when that will come into effect and the new payment in due course.

Trackers have remained a relatively niche part of the market as base rate has held firm until today. I don't expect to see a sudden shift toward trackers but if the door opens to further cuts we may start to see more interest in base rate trackers as we head into next year.

[Editor's note: Hargreaves Lansdown forecast a saving for those on trackers of £28 per month. There are around half a million such households.]

Variable rates

There's also some potential relief for those on standard variable rate. These are not directly linked to base rate but the hope will be that lenders will pass through the full cut to SVR, even though they are not obliged to do so. We've already seen Santander announce that it will be cutting the SVR.

This has potential benefits for all borrowers as lenders will often stress their affordability based on a rate above their SVR. If SVR eases it should help to temper the stress rates as well, which could give a little more leeway on the amount lenders can offer.

Fixed rates

Fixed rates are where the majority of borrowers have been heading. Rates have already been edging down with small but frequent cuts helping to nudge five-year deals close to and even under 4%.

Today's decision to cut a little sooner than many had previously anticipated should only help to add further weight to those reductions. We can therefore expect to see further pricing improvements in fixed rates, as lenders continue to fight hard to gain a share in a very competitive market.

Borrowers should secure a rate and can then keep a close eye on rate movements to capitalise on any further movement, while avoiding any risk of drifting onto an expensive variable rate.

The Bank's Monetary Policy Committee is now asked how low we could go in terms of interest rates, and whether the public can expect a drop, eventually, to near 0% - like before COVID.

"I think it's reasonable to say that it's unlikely we're going back to the world we were in in 2009 and the point at which we started raising rates," Andrew Bailey says.

He says that's because the economic outlook of that time was driven by massive shocks - like the financial crash.

"We will be somewhere around where the neutral rate will be - which will be lower than we are at now," he says, not going into any further specifics.

Markets expect that neutral rate to be between 3-4%.

Sky's data and economics editor Ed Conway asks the Bank chief what he means when he says the base rate is still in "restrictive territory" and when we can expect this to change.

"We look at restrictiveness in terms of where we think growth is," Andrew Bailey explains.

He says if you look at the Bank's forecast for GDP, growth is "picking up".

"We're still below potential and we do have a small output gap opening up in the forecast," he says.

"I think that's one way of capturing the fact that there is still a restrictive setting in that sense and we think that is appropriate given we have to ensure the persistence of inflation is taken out of the system," he says.

He says "there is a way to go".

We now move to a Q&A.

The Bank of England governor Andrew Bailey is asked whether this cut will be "one and done", or whether we can expect a further decline down the road.

"I'm not giving you any view on the path of rates to come," he says.

"I'm saying we will go from meeting to meeting, as we always do."

He tweaks the question and asks himself (and then answers): "What's changed?"

"The answer is nothing's really changed actually much in terms of the economic news. It's that we have become more confident [as time has gone on]," he adds.

Bank of England governor Andrew Bailey says a consideration for the Bank is whether the decline in inflation is "baked in as the global shocks that drove up inflation unwind".

"Or are we experiencing a more permanent change to wage and price setting which will require monetary policy to remain tighter for longer," he says.

Mr Bailey says these have become "important questions" in the MPC policy considerations.

The Bank is forecasting inflation will increase to about 2.75% later this year.

It will then return to target 2% in 2025, the Bank thinks.

"We need to put the period of high inflation firmly behind us," Mr Bailey says. "We need to be careful not to cut rates too much or too quickly."

Bank of England governor Andrew Bailey is speaking on the Bank's decision to cut the interest rate from 5.25% to 5%.

He's joined by other members of the Bank's Monetary Policy Committee.

Watch live in the stream above.

The Bank of England has cautioned that interest rates will fall more gradually than they rose.

Shortly after cutting the rate, governor Andrew Bailey said policymakers "need to make sure inflation stays low, and be careful not to cut interest rates too quickly or by too much".

He added: "Ensuring low and stable inflation is the best thing we can do to support economic growth and the prosperity of the country."

The base interest rate rose quickly from 0.1% in late 2021 to a peak of 5.25% last summer, before remaining there for 12 months.

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Online Banking essay from our essays database at Essays Bank. Browse more than 30 other categories of academic papers. ... Online banking is a new concept in our country and we try to look at why online banking is superior to traditional banking system. We also try to look at wheatear our findings match with what we have learnt in the class or ...
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Essay on Bank

Meaning of Bank

Functions of Bank

How Important are Banks for Development?

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Essay on Bank | Bank Essay for Students and Children in English

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Long Essay On Bank 500 Words in English

Short Essay on Bank 200 Words in English

10 Lines on Bank Essay

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Essay on Bank

Short and Long Essays on Bank in English

Bank Essay 10 Lines (100 – 150 Words)

Essay 1 (250 Words) – Bank

Essay 2 (400 Words) – Bank and Its Importance

Essay 3 (500 – 600 Words) – Types of Banks

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Essay on Bank in English for Children and Students

Long and Short Essay on Bank in English

Bank Essay 1 (200 words)

Bank Essay 2 (300 words)

Bank Essay 3 (400 words)

Bank Essay 4 (500 words)

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Financial Literacy – What does it Involve?

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Essay on Bank

Long and Short Essay on Bank in English

Bank Essay 1 (200 words)

Bank Essay 2 (300 words)

Bank Essay 3 (400 words)

Bank Essay 4 (500 words)

Bank Essay 5 (600 words)

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Essay on Internet Banking

Essay # 1. Meaning of Internet Banking :

Essay # 2. Objectives and Drivers of Internet Banking :

Essay # 3. Trends of Internet Banking in India :

Core or Anywhere Banking:

Progress of Internet Banking:

Security Precautions :

Essay # 4. Facilities Available Under Internet Banking in India:

(i) Bill Payment Service:

(ii) Fund Transfer:

(iii) Credit Card Customers:

(iv) Railway Pass and Online Booking:

(v) Investing through Internet Banking:

(vi) Recharging Prepaid Phone:

(vii) Shopping at Fingertips:

Essay # 5. Emerging Challenges of Internet Banking in India :

Essay # 6. Main Concerns in Internet Banking :

Banking Securely:

Essay # 7. Strategies to be Adopted by Indian Banks for Introducing Internet Banking :

14 CBSE Class 5 English Comprehension Worksheets 2024

Importance of Class 5 English comprehension

How to solve Class 5 English Comprehension

Class 5 English Comprehension Worksheets 1:

Based on your understanding of the passages, answer the following questions.

3. Who did the animals think was the powerful king?

4. What did the lion learn in the end?

B. Fill in the Blanks:

C. True or False:

D. Similar Meaning:

E. Opposite Meaning:

F. Short Answer Type:

G. Long Answer Type:

Class 5 English Comprehension Worksheets 2:

1. Who distracted the lion by dropping shiny pebbles?

3. What did the friends learn from their adventure?

4. Who led the lion on a chase through the bushes?