Focus Writing For Bank Exam Samples and Examples

Focus Writing For Bank Exam Sample and Example. Recent Focus Writing PDF 2023- 2024. Unique Bank Focus Writing Sample.

Focus Writing

Focus writing refers to the expository writing style that describes an issue concisely avoiding unnecessary information. It enhances the writer to describe an issue with the main point and appropriate words. It includes a summary of the issue to attract the readers including definition, positive and negative impact on society, challenges, recommendations, and conclusion. Focus writing format contains transitional verbs to explain the positive and negative effects. It highlights the main point precisely.

Focus Writing Format

The three core elements of the focus writing format are the introduction, body, and conclusion. The focus writing’s introduction section includes a summary of the topic, a background of topics, a definition if applicable, and a thesis statement.  The body of the focus writing includes economic or socioeconomic benefits, opportunities, and advantages offered by the topic or issue. It also contains the disadvantages, detriments, and drawbacks of the issue. The challenges or barriers to attaining positive outcomes for the project.  The body of focus writing also comprises how to overcome the challenges and adversities. Finally, it demonstrates the suggestions, and recommendations to achieve a positive outcome. This section should not be less than three and not more than five paragraphs. The conclusion summarizes the body and ends with a positive sentence.

Focus Writing For Bank Exam

Focus writing for the Bank exam is essay writing for a job exam in Bangladesh. The applicant needs to write a focus writing essay for the written job exam. The author explains how to write focus writing for a bank job with examples.  The article includes recent and unique bank-focus writing examples and samples. The samples surely assist audiences in educating them on how to write focus writing.

Focus Writing For Bank Exam Sample- 1

Topic: Universal Pension Scheme

Bangladesh has made significant progress in recent years in terms of social safety net programs. Among them, the universal pension scheme is one of the best initiatives. The universal pension scheme bill was passed in 2022 in parliament and inaugurated on 17th August 2023. The purpose is to financial security for older people who are unable to earn a livelihood due to illness, old age, and disability. The four schemes Probash, Progoti, Surokkha, and Somota will cover the whole population aged between 18 to 50 based on their national identity card, including expatriate citizens. In this article, socioeconomic benefits,  challenges, and remedies of those challenges of universal pension scheme will be discussed.

The universal pension scheme covers all older citizens above 60 years old regardless of their financial situation. This scheme is funded by the government of Bangladesh providing a 500 tk deposit every month to eligible older citizens.

According to the Bangladesh Bureau of Statistics, the poverty among the aged population in Bangladesh was 33.9% in 2019. The introduction of a universal pension scheme will help this poverty rate to decrease significantly. It will also enable the Improvement of overall well-being by financially assisting them to meet their basic needs such as food, healthcare, and housing.

Additionally,  with the benefits for the aged population,  UPS will have a positive impact on the overall economy of Bangladesh by increasing economic activities. This will result in the creation of new jobs and stimulate economic growth in the country.

However, in order to make this initiative more effective, the authority needs to address some challenges. One of the major challenges is the issue of population targeting. Though it is universal, the scheme is unable to cover some old-age citizens. Because some of them may not be registered with the government and some also may not have required identification documents.

Another challenge is funding and proper risk-free investment ideas for the fund. While the government of Bangladesh has committed to funding this scheme, there are concerns that the current level of funding may not be sufficient to meet the growing demand for it. Also, investment of the fund in unsafe sectors may cause UPS unsustainable in the long run.

To address these challenges, the government has to take several measures. Firstly, proper targeting of all eligible populations, registering them with the help of technology, and providing identification documents who do not have them. Secondly, increase funding for the UPS with the allocation of additional funds for the scheme in the national budget.  And finally,  exploring safe investment sources to ensure sustainability in the long run.

In conclusion,  the introduction of a universal pension scheme is a praiseworthy step. This is commensurate with Bangladesh’s aspiration to become an upper-middle-income country by 2031 and an advanced country by 2041. This scheme will increase economic activities which will create new places and employment. And this fund should not become another sector of corruption and pensioner should be able to withdraw their pension money instantly without unnecessary hassle. In one sentence it should be a pensioner’s friendly scheme.

Focus Writing For Bank Exam Sample- 2

Topic: Cashless Economy: A Journey of Bangladesh to Digital Transaction

A cashless economy or a cashless society is an environment where traditional methods of financial transactions such as paper currency, and coins are not used. Here, all sorts of payments are completed by Mobile Financial Services(MFS) like Bkash, Nagad, Rocket, Google Pay, Apple Pay, Paypal, Cryptocurrency, debit cards, credit cards, and more such electronic methods. Bangladesh as an emerging nation is moving ahead to achieve and adopt the developed country’s economic characteristics. The cashless society is just another step in this. Cashless transaction methods have many advantages but along with these they also have some shortcomings. Without addressing these vital issues this project may fail or face difficult challenges in the future.

The cashless economy has great ascendency in Bangladesh. The most effective benefits of the project are boosting financial inclusion, less money laundering,  avoiding the risk of carrying tangible money, and less time consumption. It also enables the reduction of costs associated with the production, storing,  handling, and ending of paper and coin currency. It also makes it very easy to currency exchange while traveling internationally.

With great positive aspects building a cashless society in Bangladesh brings great challenges. These issues must be identified and resolved to enjoy the sweet fruit of a cashless society. Among these impediments, the first and most worrying obstacle is digital crimes such as fear of hacking, phishing, etc. The banks of Bangladesh are unwilling to spend more money on cyber security and ICT risk management. Secondly, less technological knowledge and less financial literate citizens. Most people in this country are not familiar with these ways of payment. Most importantly, the FRED report clearly shows that the transaction cost of MFS in our nation is the highest in South Asia and third highest in all of Asia. Moreover, intangible money creates overspending tendencies among middle-class people.

To overcome these impediments, at first central bank should play a regulatory role to increase fund investments in the cyber security sector. Additionally, educating people about financial transaction safety measures, habits of savings, and so on. Following that, in mobile financial services, the transaction cost should be lower and arrangements for special incentives be provided. Already the MFS service providers started alluring packages such as cash back, discounts in shopping at different chain shops, etc. Finally, the central bank should fix the transaction charges to buzz financial inclusion. These measures will help combat and resolve almost all the major hinders towards achieving economic ascendency to the fullest.

Undoubtedly,  the cashless society is a commendable initiative of our government which will be another step in achieving the Smart Bangladesh vision. Without sorting the indicated facts, this splendid thought may suffer. Hopefully, along with the government,  the country’s central bank and its population will work together in hand in hand to succeed.

Unique Focus Writing Example (ইউনিক ফোকাস রাইটিং)
Bangladesh-India Bilateral Transaction: A New Phase of Currency Exchange

The taka-rupee bilateral transaction is an appreciated step in strengthening economic ties between Bangladesh and India. These two South Asian nations have a friendly historical context and at present, they are working together on many developmental and economic projects and the Taka-Rupee bilateral transaction agreement is one of those. Tk-Rupee transactions will work as the pivotal driver of the two countries’ cooperation and maintaining regional relationships. The opportunities, mechanisms, and challenges along with some recommendations will be discussed in this article.

One of the very first and most effective advantages of the Tk-Rupee bilateral transaction is that it will offer Bangladesh a marvelous trade boost. With this currency exchange mechanism, it will make it fast, and easy, provide lower currency rates, and less risky money transactions. It will help both the importer and exporter businesses in both countries. In 2022-23, with $15.3 billion dollars, bilateral trade with Bangladesh was India’s one of the largest trading partners.

Additionally, this method of money exchange will help Bangladesh to allure Indian investors in Foreign Development Investment (FDI) in the country. In recent years, Indian investment and business projects in Bangladesh have risen by billions of dollars. Moreover,  India will be able to expand its machinery, agricultural, and pharmaceutical markets in Bangladesh through this easy transaction agreement. Overall, it will result in rapid economic growth, smoother and tension-free trade, and strong diplomatic and economic ties and cooperation.

Along with numerous benefits and ascendency, the Taka-Rupee bilateral transaction comes with its own impediments and limitations. Firstly, inconsistency in exchange rates between taka and rupees can make a challenging situation. This inconsistency can create product cost differences, hamper export and import businesses, and discourage investors. Following, this transaction system asks for coordination between both the country’s responsible banks and financial institutions for easy convertibility, the common indifferences among the financial institutions can push this agreement into failure. Again, issues related to taxation,  trade documents, foreign exchange controls, and Bangladesh’s risk of more trade imbalance will create great adverse economic conditions.

Solving these demands good cooperation between Bangladesh and India. Firstly, making of policy and regulatory measures for effective exchange rate risk management and for convertibility. Secondly, a good, friendly, and collaborative relationship between the two countries’ central banks and other responsible financial institutions is vital to make the Tk-Rupee transaction a success. Most importantly, Bangladesh needs to step up in trade diversification, depending not only on previous sectors the country should come up with new profitable trading businesses. Finally, infrastructure development, monitoring, risk assessment, opportunity assessment, capacity building, and public awareness are essential to clearing the adverse possible courses.

In conclusion, the Taka-Rupee bilateral transaction will boost both the country’s GDP, increase business, create employment sectors, and strengthen both countries’ relationships. And to enjoy these expected fruitful results described proper measures are a must to take care of. With proper resolutions, the Taka-Rupee bilateral transaction will look like a blooming flower in the garden of both the country’s economies.

Business Plan Examples For Students About Food

Food Business Plan Sample pdf. Sample Business Plan for Food Products. Business Plan Examples for Students about Food.

Food Business Plan Sample

The food business plan sample refers to the business proposal example for food products. The author presents a food business plan example for students and employees about food. It helps them write business plan samples for food products, including cookies, cakes, burgers, popcorn, and sandwiches. Therefore, students can follow this food business plan sample for writing other business plans relevant to food products. The business plan sample for food shows how to start a new business with food products. It is also known as a business plan and business report sample for food products.

Business Plan Examples For Students About Food

The author writes the following business plan sample for food products to explain how to write a business plan. It will assist the students in completing assignments. The food is the most profitable business in the world. Therefore, it also helps entrepreneurs evaluate their business ideas before implementing them.

Sample Business Plan for Food Products
Sample Business Plan For Food Products

1.0 Executive Summary

We established the Food Vile around the area of the 17th residential college (Kolej Tujuh Belas) and the Faculty of Medicine and Health Science, University Putra Malaysia (UPM). Our business provides delivery services of light foods at times when the cafeteria is less accessible or during rush hours. The emphasis on food delivery has led to the birth of our company’s name, Food Ville.

The main reason for us starting this business is that we notice most students have the problem of getting something to eat early in the morning. The cafeteria usually sells heavy meals, such as in the morning, and students will either not have enough time to eat or have no appetite for those kinds of food. We also found that most students skipped breakfast to rush to class, which is highly unhealthy.

Besides peak hours in the morning, students also usually crave light foods at night while being busy with academic matters. Unfortunately, the only vending machine for soft foods is only available in Block D, which is far away for some students. Thus, we want to serve these students by having delivery service to their doorsteps, saving them time and energy.

2.0 Background

2.1 Introduction to Business

Food Ville is a new restaurant at the 17th Residential College (Kolej Tujuh Belas) and the Faculty of Medicine and Health Science, University Putra Malaysia (UPM).

Sandwich is our main product and also the main idea to start our entrepreneurship. After that, we decided to sell various foods such as buns, nachos, popcorn, and ice gem biscuits to attract the attention of the people; therefore, each of our committee members provided new ideas and products to increase our business sales.

We started this business because we wanted to provide customers with cheaper and more affordable food. We also spotted that time is a problem for most students here in the faculty, as most of us need to rush to class early in the morning and might not have time for breakfast. Late at night, the café is also closed thus limiting access to food. Thus. We provide delivery service for our customers, especially early in the morning and also at night. Our foods are good for breakfast before class and supper late at night.

2.2  Agreement Letter

This letter outlines the terms and conditions of the agreement that shareholders need to agree to:

  1. The name of the business is Food Ville.
  2. The business operation starts on 17 November 2019 and ends on 7 December 2019
  3. The organization is as below:

Business Plan Examples for Students about Food

  1. Shareholders agree to pay RM25.00 as start-up capital.
  2. The profits and losses from the business will be distributed according to the money that has been contributed.
  3. Each partner must work as a team to implement the company and solve problems.
  4. We take every decision or action based on discussion by every partner.
  5. The top management is the only authority to approve any expenses or transactions.
  6. All rules and regulations stated in the agreement are conclusive. Any future changes will be made according to the suitability and importance of the business.
  7. If any member is found violating this agreement, a police report will be made, and law action will be taken accordingly.
2.3  Objectives of Business

Food Ville has the following goals and objectives:

  1. Become an established community destination with a customer satisfaction rate of at least 90% by the end of the operation period.
  2. Achieve cash flow self-sufficiency by the end of the operation period.
  3. Repay debt from original financing by the end of the operation period.
2.4 Vision and Missions Statement

Vision: To become the most accessible food provider in 17th Residential College as well as the Faculty of Medicine and Health Sciences.

Mission:  To provide quality and yummy Foods for breakfast and supper as well as fast and flexible delivery services to achieve 100% customer satisfaction.

2.5  Company Overview

The company’s motto, “On The Run,” was chosen as our characteristic and also as an attraction to our customers due to our fast and punctual special delivery services. Below is our company’s logo.

The logo also consists of our company’s name, “Food Ville,” as we want our customers to know that we also sell a variety of Food in addition to sandwiches. Our motto, “On The Run,” is attached to the logo, which means we are always ready to serve and deliver our products quickly and on time.

3.0 Administrative and Human Resource Plan

3.1  Business Strategy

Business strategy is crucial to maintain or amplify a company’s growth. Good business strategies are not influenced by the personal preferences of corporate management. Based on strategy in our company, there are some highlights on the function of every department to ensure the plan runs significantly. To meet the targeted goal in our business plan, we have put as much emphasis on the efficiency of each department. Our company has made several strategies to achieve our objectives. We have chosen the system based on every department suggestion in our company.

Administration and Human Resources Department
  • Ensure all the business operations are followed according to the procedure and manage the co-workers and administration problems.
  • It addresses and solves problems that affect people management programs in the long run.
Marketing Department
  • To ensure that our products are fully advertised and promote our best services by giving a reasonable price.
  • We are promoting the business and mission of an organization through social media.
Operational Department
  • To ensure that all the equipment and materials run smoothly and also to maintain the operation of all products are effective and of good quality.
  • This department has the ultimate accountability for profit and loss and seeks to maximize return on investment for the shareholders.

4.0  Marketing Plan

4.1 Introduction

The marketing plan is the process of marketing which includes finding, understanding, and meeting customers’ needs as well as building public awareness of the brand. It is used to determine the effectiveness of how a company’s product is being known to the public and helps to ensure that the marketing plan, marketing strategies, and overall business strategy all work together. A company should always have a proper and systematic marketing plan to run things smoothly.

Our company, Food Ville, managed to have a very proper and systematic marketing plan because of a skillful marketing manager. Our marketing manager can market, market and promote our products to be well-known to the residents of 17th college as our target markets are them. Before our company even decided to sell our products, which include various types of Foods, our marketing manager efficiently managed the marketing plan. Some of the marketing strategies used included promoting through promotions like posters or social media accounts, pricing strategies, and many more.

4.2  Product Description

Our products are sandwiches, buns, ice gem biscuits, nachos with cheese, and popcorn.

For sandwiches, there will be two flavors: tuna and egg mayonnaise. The sandwiches are made with hard dough bread, giving customers a better taste and texture to enjoy the sandwiches. We will also add salad to the sandwiches to balance the customers’ diets and provide high nutritional value. The sandwiches are packaged with plastic wrap.

For the bun, we will buy the bun from the supplier and repack them to sell. Hence, we will order 100 units of bun every three days from the supplier to ensure that the bun we sell to the customers is always fresh and the customers can believe in our brand. The type of bun consists of a pizza bun, hot dog bun, ten-coins bun, chocolate doughnut, chicken floss doughnut, creamy bun, and gourmet bread topping with butter and sugar.

For the biscuits, our product is ice gem biscuits. We will buy a bucket of ice gem biscuits which is 4 kg, and repack them into small packages for sale. There are two types of packages, one is a small pack, and another is a large pack. The small box contains 50g of ice gem biscuits, while the large pack contains 100g of ice gem biscuits.

We will buy a large packet of potato chips for the nachos and repack them into small packages, which are 50g of chips for sale. And we also have a small can of cheese in it.

For the popcorn, we buy 1 kg of each flavor of the popcorn, which is butterfly caramel popcorn and mushroom caramel popcorn, then repack them into small packages, which is 50g of popcorn.

4.3  Target Market

The main target of our business is UPM students, lecturers, and staff from the Faculty of Medicine and Health Science, who do not have enough time to prepare or eat their breakfast due to the morning class. We also target the people who are looking for cheap and affordable breakfast and supper—the archery students are also in our target lists.

4.4  Competitions

Other businesses are also selling bread and Food in the area of 17th Residential College (Kolej Tujuh Belas), such as the cafeteria and the coop mart of 17th Residential College. Moreover, the price of bread and Food is also affordable for the students, and this will compete with our business. Therefore, our company supplies fresh homemade sandwiches and different kinds of bun, with free special delivery services to become our company’s attraction.

4.5  SWOT Analysis

We have followed to identify favorable and unfavorable circumstances (internal or external) that may affect Food Ville’s business operation.

Table 3 below shows the analysis.

SWOT Analysis

4.6  Marketing Strategies

In promoting our Foods, various marketing strategies were chosen.

Delivery services

In terms of services, our company uses delivery service as a major platform for promoting our Foods. We deliver food for the morning (breakfast) and also late at night for supper. We always want to deliver food to meet the customer’s demand and satisfaction. Apart from that, we have also set 2 employees to deliver food.


In selling our Foods, we solely used delivery services as a major platform as we do not have a specific stall or a fixed location to see our products.

Pricing strategies

Food Ville sells food at a very reasonable price to attract more customers. Even though we sold our products at reasonable prices, we managed to lower the price at the end of the carnival to sell and finish up the stocks fully.

The price of our products is as follows:

Price List of Food Business plan sample pdf


Social media is used as a platform to promote our various types of Foods. We managed to promote Food Ville so that it is known to all 17th college residents through social media accounts like Instagram, Twitter, and also Facebook.

We also did a few other promotions by distributing our posters to students, lecturers, and academic staff of the medicine and health sciences faculty.


Advertisement Business Plan

5.0 Operation Plan

5.1 Introduction

The operation plan is part of the business’s strategic plan and is important for effective business leadership. The operation plan can describe how the plan works, including listing all the strategies and providing a budget summary and the workflow from input to results of the business.

Operation management refers to the administration of business practices to create the highest level of efficiency possible within an organization. To have good operation management, each of us must understand the processes essential to what a company does and get them to flow and work together. This involves utilizing resources from the suppliers, raw materials, and equipment.

The operation plan is a crucial part of our business. The Operational plan aims to provide organization personnel with a clear picture of their tasks and responsibilities in line with the goals and objectives. Therefore, we divided the operation plan into several parts: operation objectives, operation strategies, material planning, and implementation schedule to ensure our business runs effectively.

5.2  Operation Objective

The operation objectives for Food Ville:

  • To ensure the operations of our business run smoothly
  • To produce high-quality products that can fulfill our customer satisfaction and expectations.
  • To have a good service and function well to meet our customer’s demand
  • To ensure our business is profitable and able to expand
  • To accomplish consistency in the services offered
5.3  Operation Strategies

To ensure that our business runs smoothly throughout the week and meets our objectives, we set the following strategies:

  • Build a delivery service schedule.
  • It also ensures the Foods that are being delivered meet the guarantee that has been offered by us.
  • Ask for feedback on our Foods.
5.4 Process Planning
5.5 Material Planning
  • For buns, nachos, popcorn, and biscuits, we ordered them from the supplier.
  • For sandwiches:
Raw materials Fix assets
  • Bread
  • Mayonnaise
  • Salad
  • White pepper
  • Canned tuna
  • Egg
  • Water heater
  • Spoon
  • Knife
  • Plate
5.6 Implementation Schedule

6.0 Financial Plan

6.1  Introduction

A financial plan is a process of framing objectives, procedures, and budgets regarding the financial activities of concern. We use it to ensure effectiveness and adequate financial and investment policies.

Generally, an organization uses the financial plan to know an individual’s current pay and future financial state by using current known variables to predict future income, asset values, and withdrawal plans.

A financial plan is one of the most crucial parts of a business. Some of the important financial plans are:

  • Firstly, it provides the direction of one’s business
  • Secondly, it helps understand how finances impact one’s business
  • It also helps to manage income better.
6.2  Objective of the Financial Department

A few objectives have been determined as below:
Firstly, it determines capital requirements.
Secondly, It utilizes the fund sufficiently for different purposes.
Thirdly, the financial department maintains proper cash flow.

6.3 Project Implementation Cost

Project Implementation Chart For Business Plan

Source of Fund:
Our own money is used as the start-up capital with a contribution of RM25.00 per shareholder and a loan of RM50.00 from our lecturer, Dr. Sabrina, bringing the total start-up to RM350.00.


Food Ville Sdn Bhd has a net profit margin of 30.13%. For every RM 1 in sales, the business makes a net profit of RM 0.30.  The 12 shareholders will share the profits.

Food Ville Sdn Bhd also has a break-even point of RM 266.95. Since sales passing this break-even point means that Food Ville Sdn Bhd can start making profits.

Buns have a break-even point at RM 103.77 (sale of 52 units), and the egg mayonnaise sandwich has it at RM 39.21 (sale of 20 units). The break-even point for a tuna sandwich is RM 36.58 (sale of 13 units). For nachos with cheese, it is RM 27.26 (sale of 4 units); for 50g ice gem biscuits, it is RM 6.69 (sale of 4 units); for 100g ice gem biscuits, it is RM22.95 (sale of 8 units) while popcorns have a break-even point at RM 30.48 (sale of 13 units).

The return on investment value for the business is 0.961, or 96.1%. Therefore, the shareholders can get back RM 0.96 as profit for every RM 1 capital invested in the business.


Appendices Sample