AD

Authorised Dealer

ADR

American Depository Receipt

ADWDR

Agricultural Debt Waiver and Debt Relief Scheme

AEs

Advanced Economies

AFC

Asset Finance Companies

AFI

Annual Financial Inspection

AIFIs

All-India Financial Institutions

ALM

Asset-Liability Management

AMA

Advanced Measurement Approach

AML

Anti-Money Laundering

ANBC

Adjusted Net Bank Credit

ARDB

Agriculture and Rural Development Bank

ASA

Alternate Standardised Approach

ATM

Automated Teller Machine

BBA

British Bankers’ Association

BC

Business Correspondent

BCBS

Basel Committee on Banking Supervision

BCP

Business Continuity Plan

BCP-DR

Business Continuity Planning and Disaster Recovery

BCSBI

Banking Codes and Standards Board of India

BF

Business Facilitator

BFS

Board for Financial Supervision

BIFR

Board for Industrial and Financial Reconstruction

BIS

Bank for International Settlements

BO

Banking Ombudsman

BoD

Board of Directors

BoM

Board of Management

BPR

Business Process Re-engineering

BSE

Bombay Stock Exchange Ltd.

CAMELS

Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Systems & Control

CAR

Capital Adequacy Ratio

CAS

Common Accounting System

CASA

Current Account and Savings Account

CBI

Central Bureau of Investigation

CBLO

Collateralised Borrowing and Lending Obligation

CBS

Core Banking Solutions

CCAR

Comprehensive Capital Analysis and Review

CCB

Capital Conservation Buffer

CCF

Credit Conversion Factors

CCP

Central Counter Party

CD

Certificate of Deposit

CD Ratio

Credit to Deposit Ratio

CDS

Credit Default Swaps

CE

Common Equity

CEO

Chief Executive Officer

CEOBSE

Credit Equivalent Amount of Off-Balance Sheet Exposure

CFSA

Committee on Financial Sector Assessment

CFT

Combating Financing of Terrorism

CGFS

Committee on Global Financial Stability

CGS

Credit Guarantee Scheme

CGTMSE

Credit Guarantee Fund Trust for Micro and Small Enterprises

CIBIL

Credit Information Bureau of India Limited

CIC

Credit Information Company

CICs-ND-SI

Systemically Important Core Investment Companies

CICs

Core Investment Companies

CMB

Cash Management Bills

CMCG

Compensation Monitoring Contact Group

CME

Capital Market Exposure

CNP

Card Not Present

CoR

Certificate of Registration

CP

Commercial Paper

CP

Card Present

CPSS

Committee on Payment and Settlement System

CR

Capital to Assets Ratio

CRAR

Capital to Risk-Weighted Assets Ratio

CRAs

Credit Rating Agencies

CRDIV

Capital Requirements Directive IV

CRR

Cash Reserve Ratio

CTC

Cheque Truncation System

DCCB

District Central Co-operative Bank

DGA

Duration Gap Analysis

DICGC

Deposit Insurance and Credit Guarantee Corporation

DIN

Director Identification Number

DLIC

District Level Implementation Committee

DMFC

District Micro-Finance Committee

DR

Disaster Recovery

DRT

Debt Recovery Tribunal

DSA

Direct Selling Agents

D-SIB

Domestic Systemically Important Bank

EaR

Earnings at Risk

EBA

European Banking Authority

EBT

Electronic Benefit Transfer

ECCS

Express Cheque Clearing System

ECS

Electronic Clearing Service

EDEs

Emerging and Developing Economies

EEFC

Exchange Earners’ Foreign Currency

EFSF

European Financial Stability Facility

EFSM

European Financial Stabilisation Mechanism

EIOPA

European Insurance and Occupational Pensions Authority

EL

Expected Loss

EME

Emerging Market Economy

EMV

Euro pay MasterCard Visa

ESA

European Supervisory Authorities

ESFS

European System of Financial Supervisors

ESM

European Stability Mechanism

ESMA

European Securities and Markets Authority

ESRB

European Systemic Risk Board

EU

European Union

EURIBOR

Euro Inter-Bank Offered Rate

EWS

Economically Weaker Sections

EXIM Bank

Export Import Bank of India

FASB

Financial Accounting Standards Board

FATF

Financial Action Task Force

FB

Foreign Banks

FCs

Financial Conglomerates

FCA

Financial Conduct Authority

FCCB

Foreign Currency Convertible Bonds

FCMD

Financial Conglomerate Monitoring Division

FCNR (B)

Foreign Currency Non-Resident (Banks)

FCRA

Foreign Contribution (Regulation) Act

FDIC

Federal Deposit Insurance Corporation

FEMA

Foreign Exchange Management Act

FFC

Fair Practices Code

FHC

Financial Holding Company

FI

Financial Institution

FII

Foreign Institutional Investments

FIP

Financial Inclusion Plan

FLCC

Financial Literacy and Credit Counselling Centres

FMI

Financial Market Infrastructure

FMU

Financial Market Utilities

FPC

Financial Policy Committee

FSA

Financial Services Authority

FSAP

Financial Sector Assessment Programme

FSB

Financial Stability Board

FSDC

Financial Stability and Development Council

FSLRC

Financial Sector Legislative Reforms Commission

FSOC

Financial Stability Oversight Council

FSR

Financial Stability Report

GAAP

Generally Accepted Accounting Principles

G-Sec

Government Securities

GCC

General Credit Card

GDP

Gross Domestic Product

GDR

Global Depository Receipt

GFSR

Global Financial Stability Report

GHOS

Governors and Heads of Supervision

GIC

General Insurance Corporation of India

GNPA

Gross Non-Performing Assets

G-SIB

Global Systemically Important Bank

HFCs

Housing Finance Companies

HLSC

High-Level Steering Committee

HRM

Human Resource Management

HR

Human Resource

HSBC

Hong Kong and Shanghai Banking Corporation

HTM

Held to Maturity

IADs

Independent ATM Deployers

IAS

International Accounting Standards

IASB

International Accounting Standards Board

IBA

Indian Banks’ Association

ICAI

Institute of Chartered Accountants of India

ICB

Independent Commission on Banking

ICs

Investment Companies

ICICI

Industrial Credit and Investment Corporation of India

ICT

Information and Communications Technology

IDBI

Industrial Development Bank of India

IDFC-NBFC

Infrastructure Debt Fund-Non-Banking Financial Companies

ID Ratio

Investment-to-Deposit Ratio

IDRBT

Institute for Development and Research in Banking Technology

IFC

Infrastructure Finance Company

IFRS

International Financial Reporting Standards

IIBI

Industrial Investment Bank of India

IL

Incurred Loss

IMA

Internal Models Approach

IMF

International Monetary Fund

INFINET

Indian Financial NETwork

IOSCO

International Organisation of Securities Commission

IRB

Internal Rating Based

IRC

Incremental Risk Charge

IRDA

Insurance Regulatory and Development Authority

IRSD

Interest Rate Sensitivity under Duration Gap Analysis

ISO

Independent Service Organisation

IS

Information Security

IT

Information Technology

IVR

Interactive Voice Response

IWG

Internal Working Group

JLGs

Joint Liability Groups

KA

Key Attributes

KCC

Kisan Credit Card

KYC

Know Your Customer

LAB

Local Area Bank

LAF

Liquidity Adjustment Facility

LCBG

Large and Complex Banking Group

LCR

Liquidity Coverage Ratio

LCs

Loan Companies

LDB

Land Development Bank

LEI

Long-term Economic Impact

LGD

Loss Given Default

LIBOR

London Inter-Bank Offered Rate

LIC

Life Insurance Corporation of India

LIG

Low Income Groups

LTRO

Long-Term Refinancing Operations

LTCCS

Long-Term Co-operative Credit Structure

LWE

Left Wing Extremism

MAG

Macroeconomic Assessment Group

MAP

Monitorable Action Plan

MCA

Ministry of Corporate Affairs

MDG

Modified Duration Gap

MENA

Middle East and North African

MFDC

Macro Finance Development Council

MFDEF

Micro Finance Development and Equity Fund

MFI

Micro Finance Institution

MHP

Minimum Holding Period

MIS

Management Information System

MNOs

Mobile Network Operators

MoU

Memorandum of Understanding

MRR

Minimum Retention Requirement

MSE

Micro and Small Enterprise

MSF

Marginal Standing Facility

MSME

Micro, Small and Medium Enterprises

MVE

Market Value of Equity

NABARD

National Bank for Agriculture and Rural Development

NAFSCOB

National Federation of State Co-operative Banks

NBFC

Non-Banking Financial Company

NBFC-D

Non-Banking Financial Company- Deposit taking

NBFC-ND

Non-Deposit taking Non-Banking Financial Company

NBFC-ND-SI

Systemically Important Non-Deposit taking Non-Banking Financial Company

NBFC-MFI

Non-Banking Financial Companies - Micro-Finance Institutions

NBFI

Non-Banking Financial Institution

NCC

National Credit Council

NDS-OM

Negotiated Dealing System -Order Matching

NDTL

Net Demand and Time Liability

NECS

National Electronic Clearing Service

NEFT

National Electronic Fund Transfer

NGO

Non-Government Organisation

NG-RTGS

New Generation-Real Time Gross Settlement System

NHB

National Housing Bank

NII

Net Interest Income

NIM

Net Interest Margin

NIMC

National Implementing and Monitoring Committee

NOC

No Objection Certificate

NOF

Net Owned Fund

NOHC

Non-Operative Holding Company

NOOPL

Net Overnight Open Position Limit

NPA

Non-Performing Asset

NPCI

National Payments Corporation of India

NPLs

Non-Performing Loans

NRE

Non-Resident External

NREGA

National Rural Employment Guarantee Act

NRRDA

National Rural Roads Development Agency

NRO

Non-Resident Ordinary

NSFR

Net Stable Funding Ratio

OBS

Off-Balance Sheet

OECD

Organisation for Economic Co-operation and Development

OMO

Open Market Operations

OMT

Outright Monetary Transactions

OSMOS

Off-Site Monitoring and Surveillance System

OTC

Over the Counter

PACS

Primary Agricultural Credit Society

PAT

Profit After Tax

PBT

Profit Before Tax

PCARDB

Primary Co-operative Agriculture and Rural Development Bank

PCR

Provisioning Coverage Ratio

PD

Primary Dealer

PDO – NDS

Public Debt Office- Negotiated Dealing System

PE

Price Earning

PFRDA

Pension Fund Regulatory and Development Authority

PIN

Personal Identification Number

PoS

Point of Sale

PPIs

Pre-paid Payment Instruments

PRA

Prudential Regulatory Authority

PRB

Private Sector Bank

PSB

Public Sector Bank

RCS

Registrar of Co-operative Societies

RIDF

Rural Infrastructure Development Fund

RNBC

Residuary Non-Banking Company

RoA

Return on Assets

RoE

Return on Equity

RORWA

Return on Risk Weighted Assets

RRB

Regional Rural Bank

RSA

Rate Sensitive Assets

RSL

Rate Sensitive Liabilities

RTGS

Real Time Gross Settlement System

RWAs

Risk-Weighted Assets

SAO

Seasonal Agricultural Operations

SAR

Special Administrative Regulations

SARFAESI

Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest

SBLP

SHG-Bank Linkage Programme

SC

Scheduled Caste

SCAP

Supervisory Capital Assessment Programme

SCARDB

State Co-operative Agriculture and Rural Development Bank

SCB

Scheduled Commercial Bank

SCS/RCs

Securitisation Companies/ Reconstruction Companies

SDS

Special Dispensation Scheme

SEBI

Securities and Exchange Board of India

SHG

Self-Help Group

SIDBI

Small Industries’ Development Bank of India

SIFCL

Sahara India Financial Corporation Limited

SIFI

Systemically Important Financial Institution

SLIMC

State Level Implementing and Monitoring Committee

SLR

Statutory Liquidity Ratio

SME

Small and Medium Enterprise

SMFC

State Micro-Finance Council

SPV

Special Purpose Vehicle

SSI

Small Scale Industry

ST

Scheduled Tribe

StCB

State Co-operative Bank

STCCS

Short-Term Co-operative Credit Structure

SRR

Special Resolution Regime

TAG

Technical Advisory Group

T/B

Treasury Bills

TAFCUB

Task Force for Urban Co-operative Bank

TGA

Traditional Gap Analysis

TLE

Terminal Line Encryption

UBD

Urban Banks Department

UCB

Urban Co-operative Bank

UKPT

Unique Key Per Terminal

UCIC

Unique Customer Identification Code

UO

Umbrella Organisations

USBs

Ultra Small Branches

WEO

World Economic Outlook

WLA

White-Label ATM

WSHG

Women Self-Help Group

VAPT

Vulnerability Analysis and Penetration Test

VaR

Value at Risk

XML

Extensible Mark-up Language