ABBF

Advisory Board on Bank Frauds

IT

Information Technology

ACLF

Additional Collateralised Lending

LAB

Local Area Bank

Facility

LAF

Liquidity Adjustment Facility

ADFC

Agricultural Development Finance

Company

LBS

Lead Bank Scheme

AIDBs

All India Development Banks

LC

Loan Company

AIFI

All India Financial Institution

LCs

Letters of Credit

ALCO

Asset-Liability Committees

LCVs

Light Commercial Vehicles

ALM

Asset-Liability Management

LIBOR

London Inter-Bank Offer Rate

AMC

Asset Management Committee

LIC

Life Insurance Corporation of India

APEC

Asia Pacific Economic Co-

LTPLR

Long-Term Prime Lending Rate

operation

MBCs

Mutual Benefit Companies

ARC

Asset Reconstruction Company

MBFC

Mutual Benefit Financial Company

ARDR

Agriculture and Rural Debt Relief

MFs

Mutual Funds

ARF

Asset Reconstruction Fund

MLI

Minimum Level of Involvement

ARF

Automatic Refinance Facility

MICR

Magnetic Ink Character

ATM

Automated Teller Machine

Recognition

BER

Burden Efficiency Ratio

MIS

Management Information System

BFS

Board for Financial Supervision

MMMFs

Money Market Mutual Funds

BIS

Bank for International Settlement

MOF

Ministry of Finance

CV

Coefficient of Variation

MoU

Memorandum of Understanding

CABBF

Central Advisory Board on Bank

MTPLR

Medium - Term Prime Lending

Frauds

Rate

CAMELS

Capital Adequacy, Asset Quality,

MTPS

Multiple Transfer Price System

Management, Earnings, Liquidity

and Systems

NABARD

National Bank for Agriculture and

Rural Development

CAMELSC

Capital Adequacy, Asset Quality,

NAV

Net Asset Value

Management, Earnings, Liquidity,

Systems and Controls and

NBC

Net Bank Credit

Compliance

NBFCs

Non-Banking Finance Companies

CBI

Central Bureau of Investigation

NCDC

National Co-operative

CCBs

Central Co-operative Banks

Development Corporation

C-D Ratio

Credit - Deposit Ratio

NGO

Non-Government Organisation

CD

Certificate of Deposit

NHB

National Housing Bank

CDF

Co-operative Development Fund

NHC (LTO)

National Housing Credit (Long

Term Operations)

CIS

Collective Investment Scheme

NIC (LTO)

National Industrial Credit (Long

CLB

Company Law Board

Term Operations)

CLF

Collateralised Lending Facility

NOF

Net Owned Funds

COR

Certificate of Registration

NPA

Non-Performing Asset

CP

Commercial Paper

NRC (LTO)

National Rural Credit (Long Term

CPPD

Computer Policy and Planning

Operations)

Department

NRE

Non-Resident External Accounts

CRAR

Capital to Risk-Weighted Assets

Ratio

NSE

National Stock Exchange

CRR

Cash Reserve Ratio

OMO

Open Market Operations

CVC

Central Vigilance Commission

OP

Operating Profit

DAP

Development Action Plan

PACS

Primary Agricultural Credit

Societies

DCA

Department of Company Affairs

PAO

Pay and Accounts Officer

DDO

Drawing and Disbursement Officer

PCARDBs

Primary Co-operative Agriculture

DEA

Data Envelopment Analysis

and Rural Development Banks

DFIs

Developmental Financial

PCB

Primary Co-operative Bank

Institutions

PCFC

Pre-shipment Credit in Foreign

DICGC

Deposit Insurance and Credit

Currency

Guarantee Corporation

PDs

Primary Dealers

DoT

Department of Telecommunication

PEP

Productivity, Efficiency and

DP

Discussion Paper

Profitability

DRTs

Debt Recovery Tribunals

PFIs

Public Financial Institutions

DTP

Development of Tribal Population

PLR

Prime Lending Rate

DvP

Delivery versus Payment

PMRY

Prime Minister’s Rozgar Yojna

ECGC

Export Credit Guarantee

PSBs

Public Sector Banks

Corporation

PSU

Public Sector Undertaking

ECNOS

Export Credit Not Otherwise

Specified

RAM

Ratio Analysis Model

ECR

Export Credit Refinance

RCTC

Risk Capital and Technology

Finance Corporation

EFT

Electronic Funds Transfer

RFI

Rural Financial Institution

EFTPoS

Electronic Funds Transfer at Point

of Sale

RIB

Resurgent India Bonds

EL/HP

Equipment Leasing and Hire

RIDF

Rural Infrastructure Development

Purchase Finance Companies

Fund

ELC

Equipment Leasing Company

RNBCs

Residuary Non-Banking

Companies

EPS

Earning Per Share

RRA

Regulations Review Authority

EXIM Bank

Export Import Bank of India

RRB

Regional Rural Bank

FCNR (B)

Foreign Currency Non-Resident

Accounts (Banks)

RTGS

Real Time Gross Settlement

FEDAI

Foreign Exchange Dealers’

SAC

Settlement Advisory Committee

Association of India

SAO

Seasonal Agricultural Operation

FIIs

Foreign Institutional Investors

SBI

State Bank of India

FIs

Financial Institutions

SCARDBs

State Co-operative Agriculture and

FPB

Focal Point Branch

Rural Development Banks

FRAs

Forward Rates Agreements

SCB

Scheduled Commercial Bank

GATs

General Agreement on Trade in

SCRA

Securities Contracts (Regulation)

Services

Act

GDP

Gross Domestic Product

SDs

Satellite Dealers

GIC

General Insurance Corporation

SEBI

Securities and Exchange Board of

India

GLC

General Line of Credit

SFCs

State Financial Corporations

GOI

Government of India

SGL

Subsidiary General Ledger

GRF

General Refinance Facility

SGSY

Swarnajayanti Gram Swarojgar

HFCs

Housing Finance Companies

Yojna

HUDCO

Housing and Urban Development

SHG

Self Help Group

Corporation Ltd.

SIDBI

Small Industries Development

IBA

Indian Banks’ Association

Bank of India

IC

Investment Company

SIDCs

State Industrial Development

Corporations

ICAI

Institute of Chartered Accountants

of India

SLR

Statutory Liquidity Ratio

I-D Ratio

Investment Deposit Ratio

SPNS

Shared Payment Network System

IDBI

Industrial Development Bank of

SRTO

Small Road Transport Operators

India

SSI

Small Scale Industry

IDC

Institutional Development Cell

StCBs

State Co-operative Banks

IDFC

Infrastructure Development

Finance Company

STPLR

Short-Term Prime Lending Rate

IDRBT

Institute for Development and

STRIPS

Separate Trading of Registered

Research in Banking Technology

Interest and Principal Securities

IFCI

Industrial Finance Corporation of

SWIFT

Society for Worldwide Inter-bank

India

Financial Telecommunication

IIBI

Industrial Investment Bank of India

TFCI

Tourism Finance Corporation of

Ltd.

India

ILAF

Interim Liquidity Adjustment

TPM

Transfer Price Mechanism

Facility

UTI

Unit Trust of India

IMF

International Monetary Fund

UTPS

Unitary Transfer Pricing System

INFINET

Indian Financial Network

VaR

Value at Risk

IRDP

Integrated Rural Development

Programme

VSAT

Very Small Aperture Terminal

IRS

Interest Rates Swaps

WTO

World Trade Organisation

Y2K

Year 2000