AD

Authorised Dealer

ADR

American Depository Receipt

ADWDR

Agricultural Debt Waiver and Debt Relief Scheme

AFC

Asset Finance Companies

AFI

Annual Financial Inspection

AIFIs

All India Financial Institutions

ALM

Asset-Liability Mismatch

AMA

Advanced Measurement Approach

AML

Anti-Money Laundering

ANBC

Adjusted Net Bank Credit

ASA

Alternate Standardised Approach

ATM

Automated Teller Machine

BC

Business Correspondent

BCBS

Basel Committee on Banking Supervision

BCP-DR

Business Continuity Management and Disaster Recovery

BCSBI

Banking Codes and Standards Boards of India

BFS

Board for Financial Supervision

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.

CAR

Capacity Adequacy Ratio

CAS

Common Accounting System

CASA

Current Account and Savings Account

CBI

Central Board of Investigation

CBLO

Collateralised Borrowing and Lending Obligation

CBS

Core Banking Solutions

CCAR

Comprehensive Capital Assessment Review

CCF

Credit Conversion Factors

CCP

Central Counter Party

CDs

Certificates of Deposit

CDS

Credit Default Swaps

CE

Common Equity

CEO

Chief Executive Officer

CEOBSE

Credit Equivalent Amount 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

CIC

Credit Information Company

CICs-ND-SI

Systemically Important Non-deposit taking Core Investment Companies

CMB

Cash Management Bills

CME

Capital Market Exposure

CNP

Card Not Present

CoR

Certificate of Registration

CPs

Commercial Papers

CP

Card Present

CPSS

Committee on Payment and Settlement System

CRAR

Capital to Risk-Weighted Assets Ratio

CRAs

Credit Rating Agencies

CRCS

Central Registrar of Cooperative Societies

CRE

Commercial Real Estate

CRR

Cash Reserve Ratio

DCCB

District Central Cooperative Banks

DGA

Duration Gap Analysis

DICGC

Deposit Insurance and Credit Guarantee Corporation

DIN

Director Identification Number

DLIC

District Level Implementation Committee

DR

Disaster Recovery

DRT

Debt Recovery Tribunal

DSA

Direct Selling Agents

EaR

Earnings at Risk

EBA

European Banking Authority

ECCS

Express Cheque Clearing System

ECS

Electronic Clearing Service

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 Supervisions

ESM

European Stability Mechanism

ESMA

European Securities and Markets Authority

ESRB

European Systemic Risk Board

EU

European Union

EURIBOR

Euro Inter-Bank Offered Rate

EXIM Bank

Export Import Bank of India

FASB

Financial Accounting Standards Board

FATF

Financial Action Task Force

FB

Foreign Banks

FCA

Financial Conduct Authority

FCCB

Foreign Currency Convertible Bonds

FCMD

Financial Conglomerate Monitoring Division

FCNR (B)

Foreign Currency Non-Resident (Banks)

FEMA

Foreign Exchange Management Act

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

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

GoI

Government of India

GSIB

Global Systemically Important Bank

HRM

Human Resource Management

HSBC

Hong Kong and Shanghai Banking Corporation

HTM

Held to Maturity

IAS

International Accounting Standard

IASB

International Accounting Standards Board

IBA

Indian Banks’ Association

ICs

Investment Companies

ICB

Independent Commission on Banking

ICDs

Inter Corporate Deposits

ICICI

Industrial Credit and Investment Corporation of India

ICT

Information and Communications Technology

IDBI

Industrial Development Bank of India

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

Ind ASs

Indian Accounting Standards

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

IT

Information Technology

IVR

Interactive Voice Response

JLGs

Joint Liability Groups

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

LEI

Long-term Economic Impact

LGD

Loss Given Default

LIBOR

London Inter-Bank Offered Rate

LIC

Life Insurance Corporation of India

LTCCS

Long-Term Cooperative Credit Structure

MAG

Macro-economic Assessment Group

MCA

Ministry of Corporate Affairs

MDG

Modified Duration Gap

MENA

Middle East and North African

MFI

Micro Finance Institution

MICR

Magnetic Ink Character Recognition

MIS

Management Information System

MoU

Memorandum of Understanding

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 Cooperative 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

NBFIs

Non-Banking Financial Institutions

NDS

Negotiated Dealing System

NDTL

Net Demand and Time Liability

NECS

National Electronic Clearing Service

NEFT

National Electronic Fund Transfer

NGO

Non-Government Organisation

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

NPA

Non-Performing Asset

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 Corporation and Development

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 Cooperative Agriculture and Rural Development Bank

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

PRA

Prudential Regulation Authority

PRBs

Private Sector Banks

PSB

Public Sector Bank

RCS

Registrar of Cooperative Societies

RIDF

Rural Infrastructural 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

SAO

Seasonal Agricultural Operations

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 Cooperative Agriculture and Rural Development Bank

SCB

Scheduled Commercial Bank

SCs/RCs

Securitisation Companies/ Reconstruction Companies

SEBI

Securities and Exchange Board of India

SHG

Self-Help Group

SIDBI

Small Industries' Development Bank of India

SIFI

Systemically Important Financial Institution

SLIMC

State Level Implementing and Monitoring Committee

SLR

Statutory Liquidity Ratio

SME

Small and Medium Enterprises

SPV

Special Purpose Vehicle

SSI

Small Scale Industry

ST

Scheduled Tribe

StCB

State Cooperative Bank

STCCS

Short-Term Cooperative Credit Structure

T/B

Treasury Bills

TAFCUB

Task Force for Urban Cooperative Bank

TGA

Traditional Gap Analysis

TLE

Terminal Line Encryption

UBD

Urban Banks Department

UCB

Urban Cooperative Bank

UKPT

Unique Key Per Terminal

UO

Umbrella Organisations

VAPT

Vulnerability Analysis and Penetration Test

VaR

Value at Risk