ABA

–

Australian Bankers’ Association

ABS

–

Asset-Backed Securities

ACF

–

Autocorrelation Function

ADB

–

Asian Development Bank

ADI

–

Authorised Deposit-Taking Institution

ADRs

–

American Depository Receipts

AE

–

Allocative Efficiency

AFI

–

Annual Financial Inspection

AFS

–

Available for Sale

AHCs

–

Asset Holding Companies

AIDIS

–

All India Debt and Investment Survey

AIFI

–

All India Financial Institution

AIG

–

Accord Implementation Group

A-IRB

–

Advanced-Internal Ratings Based Approach

AIRCS

–

All India Rural Credit Survey

AIs

–

Authorised Institutions

ALCO

–

Asset Liability Management Committee

ALM

–

Asset-Liability Management

AMA

–

Advanced Measurement Approach

ANBC

–

Adjusted Net Bank Credit

APMAS

–

Andhra Pradesh Mahila Abhivrudhi Society

APRA

–

Australian Prudential Regulation Authority

ARC

–

Agricultural Refinance Corporation

ARCs

–

Asset Reconstruction Companies

ARDC

–

Agricultural Refinance and Development Corporation

ARIMA

–

Auto Regressive Integrated Moving Average

ASA

–

Alternative Standardised Approach

AS

–

Accounting Standards

ATF

–

Aviation Turbine Fuel

ATM

–

Automated Teller Machine

BAAC

–

Bank for Agriculture and Agricultural Cooperatives

BaFin

–

German Federal Financial Supervisory Authority

BCBS

–

Basel Committee on Banking Supervision

BCP

–

Business Continuity Planning

BCPs

–

Basel Core Principles

BCs

–

Business Correspondents

BCSBI

–

Banking Codes and Standards Board of India

BE

–

Budget Estimates

BEEPS

–

Business Environment and Enterprises Performance Surveys

BF

–

Business Facilitator

BFS

–

Board for Financial Supervision

BGFRS

–

Board of Governors of the Federal Reserve System

BHC

–

Bank Holding Company

BIA

–

Basic Indicator Approach

BIS

–

Bank for International Settlements

BoE

–

Bank of England

BoJ

–

Bank of Japan

BoP

–

Balance of Payments

BoT

–

Bank of Thailand

BPLR

–

Benchmark Prime Lending Rate

BPO

–

Business Process Outsourcing

BR Act

–

Banking Regulation Act

BRAC

–

Building Resources Across Community

BRI

–

Bank Rakyat Indonesia

BSE

–

Bombay Stock Exchange

BSP

–

Bangko Sentral ng Pilipinas

BSR

–

Basic Statistical Returns

CALCS

–

Capital Adequacy, Asset Quality, Liquidity, Compliance and Systems

CAMELS

–

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

CAR

–

Capital to Assets Ratio

CARE

–

Credit Analysis and Research Limited

CAS

–

Credit Authorisation Scheme

CBFA

–

Commission Bancaire, Financiere et des Assurances

CBLO

–

Collateralised Borrowing and Lending Obligation

CBRA

–

Conduct of Business Regulatory Agency

CBS

–

Core Banking Systems

CBSR

–

Committee on Banking Sector Reforms

CDIC

–

Canada Deposit Insurance Corporation

CDMA

–

Code Division Multiple Access

CDOs

–

Collateralised Debt Obligations

CDR

–

Corporate Debt Restructuring

CD

–

Certificates of Deposit

CDS

–

Credit Default Swap

CE

–

Cost Efficiency

CEO

–

Chief Executive Officer

CEPS

–

Centre for European Policy Studies

CFES

–

Centralised Funds Enquiry System

CFL

–

Compact Fluorescent Lamp

CFMS

–

Centralised Funds Management System

CFS

–

Committee on Financial System

CFS

–

Consolidated Financial Statement

CFTS

–

Centralised Funds Transfer System

CG

–

Capital Goods

CIBIL

–

Credit Information Bureau (India) Limited

CLN

–

Credit Linked Notes

CMD

–

Chairman-cum-Managing Director

CoR

–

Certificate of Registration

CP

–

Commercial Paper

CPI-AL

–

Consumer Price Index (Agriculture Labourers)

CPI-IW

–

Consumer Price Index (Industrial Workers)

CPI-RL

–

Consumer Price Index (Rural Labourers)

CPI-UNME

–

Consumer Price Index (Urban Non-Manual Employees)

CPSB

–

Corp Pragathi Savings Bank

CPSMS

–

Central Plan Scheme Monitoring System

CRA

–

Community Reinvestment Act

CRAR

–

Capital to Risk-Weighted Assets Ratio

CRCS

–

Central Registrar of Cooperative Societies

CRD

–

Capital Requirements Directive

CRISIL

–

Credit Rating Information Services of India Limited

CRM

–

Credit Risk Mitigation

CRR

–

Cash Reserve Ratio

CSO

–

Central Statistical Organisation

CSOs

–

Civil Society Organisations

DCC

–

District Consultative Committee

DCCBs

–

District Central Cooperative Banks

DEA

–

Data Envelopment Approach

DEs

–

Designated Entities

DFIs

–

Development Finance Institutions

DFSA

–

Danish Financial Supervisory Authority

DGCI&S

–

Directorate General of Commercial Intelligence and Statistics

DICGC

–

Deposit Insurance and Credit Guarantee Corporation

DIS

–

Deposit Insurance Systems

DMU

–

Decision Making Unit

DoT

–

Department of Treasury

DRI

–

Differential Rate of Interest

DRT

–

Debt Recovery Tribunal

EAD

–

Exposure at Default

EBG

–

Electronic Banking Group

EC

–

Economic Capital

ECA

–

Export Credit Agency

ECAAs

–

External Credit Assessment Agencies

ECB

–

European Central Bank

ECBs

–

External Commercial Borrowings

EEE

–

Exempt-Exempt-Exempt

EET

–

Exempt-Exempt-Taxed

EFT

–

Electronic Funds Transfer

EL

–

Expected Losses

EMEs

–

Emerging Market Economies

EMI

–

Equated Monthly Installment

EMU

–

European Monetary Union

ENSR

–

European Network for Social and Economic Research

EPOS

–

Electronic Point of Sale

ERM

–

Enterprise-wide Risk Management

EU

–

European Union

EXIM Bank

–

Export-Import Bank

FCAC

–

Fuller Capital Account Convertibility

FCAC

–

Financial Customer Agency of Canada

FCNR(A)

–

Foreign Currency Non-Resident (Account)

FCNR(B)

–

Foreign Currency Non-Resident Accounts (Banks)

FDI

–

Foreign Direct Investment

FDIC

–

Federal Deposit Insurance Corporation

FHC

–

Financial Holding Company

FI

–

Financial Institutions

FII

–

Foreign Institutional Investor

FIRBA

–

Foundation Internal Ratings Based Approach

FIs

–

Financial Intermediaries

FMCG

–

Fast Moving Consumer Goods

FoF

–

Flow of Funds

FOMC

–

Federal Open Market Committee

FRA

–

Forward Rate Agreement

FRB

–

Federal Reserve Bank

FRBM

–

Fiscal Responsibility and Budget Management

FRBSF

–

Federal Reserve Bank of San Francisco

FRL

–

Fiscal Responsibility Legislation

FRL

–

Full Reservoir Level

FSA

–

Financial Services Authority

FSF

–

Financial Stability Forum

FSI

–

Financial Stability Institute

GATS

–

General Agreement on Trade in Services

GB

–

Grameen Bank

GCCs

–

General Credit Cards

GDCF

–

Gross Domestic Capital Formation

GDP

–

Gross Domestic Product

GDRs

–

Global Depository Receipts

GDS

–

Gross Domestic Saving

GFD

–

Gross Fiscal Deficit

GLB Act

–

Gramm-Leach-Bliley Act

Gnie

–

Government not included elsewhere

GoI

–

Government of India

GOLD

–

Global Operational Loss Database

GPRS

–

General Packet Radio Service

GV

–

Grama Vidiyal

HDFC

–

Housing Development Finance Corporation

HFCs

–

Housing Finance Companies

HFT

–

Held-for-Trading

HHI

–

Herfindahl-Hirschman Index

HKMA

–

Hong Kong Monetary Authority

HSBC

–

Hong Kong and Shanghai Banking Corporation

HTM

–

Held-to-Maturity

IADI

–

International Association of Deposit Insurers

IAIS

–

International Association of Insurance Supervisors

IAY

–

Indira Awas Yojana

IBA

–

Indian Banks’ Association

IBL

–

Inter-Bank Liabilities

ICAAP

–

Internal Capital Adequacy Assessment Process

ICAI

–

Institute of Chartered Accountants of India

ICRA

–

Investment Information and Credit Rating Agency

ICS

–

Investment Climate Survey

IDA

–

Individual Development Account

IDBI

–

Industrial Development Bank of India Ltd.

IDRBT

–

Institute for Development and Research in Banking Technology

IFCI

–

Industrial Finance Corporation of India Ltd.

IFR

–

Investment Fluctuation Reserve

IIBI

–

Industrial Investment Bank of India Ltd.

IIMS

–

India Invest Market Solutions

IIP

–

Index of Industrial Production

IMA

–

Internal Measurement Approach

IMD

–

India Meteorological Department

IMDs

–

India Millennium Deposits

IMF

–

International Monetary Fund

INFINET

–

Indian Financial Network

IOSCO

–

International Organisation of Securities Commissions

IPDI

–

Innovative Perpetual Debt Instruments

IPO

–

Initial Public Offer

IRBA

–

Internal Ratings Based Approach

IRDA

–

Insurance Regulatory and Development Authority

IRR

–

Interest Rate Risk

IRS

–

Interest Rate Swap

ISO

–

International Organisation for Standardisation

IT

–

Information Technology

ITB

–

Intermediate Treasury Bill

ITES

–

Information Technology Enabled Services

ITEs

–

Intra-Group Transactions and Exposures

JNNURM

–

Jawaharlal Nehru National Urban Renewal Mission

KCC

–

Kisan Credit Card

KUMQRP

–

Keio University Market Quality Research Project

KYC

–

Know Your Customer

LAF

–

Liquidity Adjustment Facility

LBS

–

Lead Bank Scheme

LDA

–

Loss Distribution Approach

LDCs

–

Least Developed Countries

LGD

–

Loss Given Default

LIC

–

Life Insurance Corporation of India

LIHTC

–

Low-Income Housing Tax Credit

LoLR

–

Lender of Last Resort

LPA

–

Long Period Average

LPG

–

Liquefied Petroleum Gas

LTO

–

Long Term Operations

M&As

–

Mergers and Acquisitions

M3

–

Broad Money

MAS

–

Monetary Authority of Singapore

MBS

–

Mortgage-Backed Securities

M-CRIL

–

Micro-Credit Ratings International Limited

MFIs

–

Micro-Finance Institutions

MICR

–

Magnetic Ink Character Recognition

MIS

–

Management Information System

MLR

–

Minimum Lending Rate

MoU

–

Memorandum of Understanding

MPBF

–

Maximum Permissible Bank Finance

MPC

–

Monetary Policy Committee

MPI

–

Malmquist Productivity Index

MSME

–

Micro, Small and Medium Enterprise

MSMED

–

Micro, Small and Medium Enterprises Development

MSS

–

Market Stabilisation Scheme

NABARD

–

National Bank for Agriculture and Rural Development

NASSCOM

–

National Association of Software and Services Companies

NBC

–

Net Bank Credit

NBFC-ND-SI

–

Systemically Important Non- Deposit Taking Non-Banking Financial Company

NBFCs

–

Non-Banking Financial Companies

NCAER

–

National Council of Applied Economic Research

NCAF

–

New Capital Adequacy Framework

NCC

–

National Credit Council

NCDC

–

National Cooperative Development Council

NCDs

–

Non-Convertible Debentures

NDS

–

Negotiated Dealing System

NDS-OM

–

Negotiated Dealing System- Order Matching

NDTL

–

Net Demand and Time Liabilities

NEER

–

Nominal Effective Exchange Rate

NEFT

–

National Electronic Funds Transfer

NFC

–

Near Field Communication

NGOs

–

Non-Governmental Organisations

NHB

–

National Housing Bank

NIM

–

Net Interest Margin

NMFI

–

National Mission for Financial Inclusion

NNPAs

–

Net Non-Performing Assets

NPAs

–

Non-Performing Assets

NPL

–

Non-Performing Loan

NR(E)RA

–

Non-Resident (External) Rupee Account

NR(NR)RD

–

Non Resident (Non-Repatriable) Rupee Deposit

NREGS

–

National Rural Employment Guarantee Scheme

NRFIP

–

National Rural Financial Inclusion Plan

NRIs

–

Non-Resident Indians

NRO

–

Non-Resident Ordinary

NSC

–

National Savings Certificates

NSE

–

National Stock Exchange

NSKFDC

–

National Safai Karmacharis Finance and Development Corporation

NSSF

–

National Small Savings Fund

NSSO

–

National Sample Survey Organisation

NTR

–

Non-Tax Revenue

OBC

–

Oriental Bank of Commerce

OBE

–

Off-Balance Sheet Exposures

OD

–

Overdraft

OECD

–

Organisation for Economic Cooperation and Development

OFIs

–

Other Financial Institutions

OFSA

–

Oracle Financial Services Application

OMOs

–

Open Market Operations

OMS

–

Open Market Sales

ONGC

–

Oil and Natural Gas Corporation

OPEC

–

Organisation of Petroleum Exporting Countries

OSMOS

–

Off-Site Surveillance and Monitoring System

OSS

–

Off-Site Surveillance System

OTS

–

One Time Settlement

OWS

–

Other Welfare Schemes

P/E

–

Price to Earnings

PA

–

Passport Account

PACF

–

Partial Autocorrelation Function

PACS

–

Primary Agricultural Credit Society

PAT

–

Profit After Tax

PBC

–

People’s Bank of China

PBT

–

Profit Before Tax

PCA

–

Prompt Corrective Action

PCFC/EBR

–

Pre-Shipment Credit in Foreign Currency / Export Bills Rediscounting

PCPS

–

Perpetual Cumulative Preference Shares

PD

–

Probability of Default

PDs

–

Primary Dealers

PDCF

–

Primary Dealer Credit Facility

PDS

–

Public Distribution System

PFRA

–

Prudential Financial Regulatory Agency

PFRDA

–

Pension Fund Regulatory and Development Authority

PIN

–

Personal Identification Number

PIO

–

Principal Inspecting Officer

PLR

–

Prime Lending Rate

PNCPS

–

Perpetual Non-Cumulative Preference Shares

PoS

–

Points of Sale

PPP

–

Public Private Partnership

P-R

–

Panzar-Rosse

PSBs

–

Public Sector Banks

PSU

–

Public Sector Undertaking

QIS-5

–

Fifth Quantitative Impact Study

RBAP MABS

–

Rural Bankers’ Association of the Philippines Microenterprise Access to Banking Services

RBI

–

Reserve Bank of India

RBS

–

Risk-Based Supervision

RCPS

–

Redeemable Cumulative Preference Shares

RCs

–

Reconstruction Companies

RCS

–

Registrar of Cooperative Society

RD

–

Revenue Deficit

RE

–

Revised Estimates

REER

–

Real Effective Exchange Rate

RFID

–

Radio Frequency Identification Device

RIBs

–

Resurgent India Bonds

RIDF

–

Rural Infrastructure Development Fund

RNBC

–

Residuary Non-Banking Company

RNCPS

–

Redeemable Non-Cumulative Preference Shares

RoA

–

Return on Assets

RoE

–

Return on Equity

RPO

–

Recovery Point Objective

RPT

–

Risk Profile Template

RRBs

–

Regional Rural Banks

RTCP

–

Rural Transformation Centre Programme

RTGS

–

Real Time Gross Settlement

RTO

–

Recovery Time Objective

RTP

–

Reserve Tranche Position

RWA

–

Risk-Weighted Assets

SA

–

Standardised Approach

SARFAESI

–

Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest

SBI

–

State Bank of India

SBITCA

–

SBI Tiny Card Accounts

SBP

–

State Bank of Pakistan

SC

–

Scheduled Caste

SCB

–

State Co-Operative Bank

SCBs

–

Scheduled Commercial Banks

SCILL

–

Standard Chartered Investment and Loans Limited

SCs

–

Securitisation Companies

SDA

–

Standardised Duration Approach

SDRs

–

Special Drawing Rights

SEBI

–

Securities and Exchange Board of India

SEDF

–

Small Enterprises Development Fund

SEU

–

Social Exclusion Unit

SFC

–

Securities and Futures Commission

SHGs

–

Self-Help Groups

SHPIs

–

Self-Help Promoting Institutions

SIDBI

–

Small Industries Development Bank of India

SIFIs

–

Systemically Important Financial Intermediaries

SIM

–

Subscriber Identity Module

SIV

–

Special Investment Vehicle

SLBC

–

State Level Bankers’ Committee

SLR

–

Statutory Liquidity Ratio

SMA

–

Seasonal Moving Average

SME

–

Small and Medium Enterprise

SMERA

–

Small and Medium Enterprises Rating Agency

SMO

–

Special Market Operation

SMS

–

Short Message Service

SNB

–

Swiss National Bank

SNDs

–

Subordinated Notes and Debentures

SPV

–

Special Purpose Vehicle

SREP

–

Supervisory Reviews and Evaluation Process

SRP

–

Supervisory Review Process

SSA

–

Simplified Standardised Approach

SSI

–

Small Scale Industry

SSP

–

Social Security Pensions

ST

–

Scheduled Tribe

STCCS

–

Short-Term Co-operative Credit Structure

TAF

–

Term Auction Facility

TAFCUBs

–

Task Force for Urban Co-operative Banks

TAP

–

Text-A-Payment

TB

–

Thrift Banks

TBA

–

Total Branch Automation

TE

–

Technical Efficiency

TFC

–

Twelfth Finance Commission

TFCI

–

Tourism Finance Corporation of India Ltd.

TFP

–

Total Factor Productivity

TPDS

–

Targeted Public Distribution System

TRM

–

Trading Risk Management

TRS

–

Total Return Swap