List of Select Abbreviations

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ପ୍ରକାଶିତ ତାରିଖ ଡିସେମ୍ବର 27, 2023

AA	Account Aggregator
AD	Authorised Dealer
AEs	Advanced Economies
AFS	Available for Sale
AGR	Alternate Grievance Redressal
AI	Artificial Intelligence
AIC	Akaike Information Criterion
AID	All-Inclusive Directions
AIFIs	All-India Financial Institutions
AMA	Advanced Measurement Approach
ANBC	Adjusted Net Bank Credit
API	Application Programming Interface
ARC	Asset Reconstruction Company
ARDL	Autoregressive Distributed Lag
ASA	Alternative Standardised Approach
ATM	Automated Teller Machine
BBPOUs	Bharat Bill Payment Operating Units
BBPS	Bharat Bill Payment System
BCs	Business Correspondents
BCBS	Basel Committee on Banking Supervision
BIA	Basic Indicator Approach
BIC	Business Indicator Component
BIS	Bank for International Settlements
bps	Basis Points
BR	Banking Regulation
CADs	Current Account Deficits
CAGR	Compound Annual Growth Rate
CASA	Current Account and Savings Account
CBDC	Central Bank Digital Currency
CBS	Core Banking Solution
CBUAE	Central Bank of the UAE
C-D	Credit-Deposit
CDs	Certificates of Deposits
CDS	Credit Default Swap
CEOBE	Credit Equivalent of Off Balance-sheet Exposure
CERT-In	Indian Computer Emergency Response Team
CET	Common Equity Tier
CIBIL	Credit Information Bureau (India) Limited
CIC	Core Investment Company
CLM	Co-Lending Model
CMBs	Cash Management Bills
CME	Capital Market Exposure
CoF	Card-on-File
CoR	Certificate of Registration
CRAR	Capital to Risk-Weighted Assets Ratio
CRE	Commercial Real Estate
CRE-RH	Commercial Real Estate-Residential Housing
CRILC	Central Repository of Information on Large Credits
CRPC	Centralised Receipt and Processing Centre
CRR	Cash Reserve Ratio
C-SOC	Cyber Security Operations Centre
CUG	Closed User Group
CVA	Credit Valuation Adjustment
DAY-NRLM	Deendayal Antyodaya Yojana - National Rural Livelihoods Mission
DBU	Digital Banking Unit
DCCBs	District Central Co-operative Banks
DICGC	Deposit Insurance and Credit Guarantee Corporation
DIF	Deposit Insurance Fund
DLA	Digital Lending Application
DLG	Default Loss Guarantee
DP	Discussion Paper
DPAW	Digital Payments Awareness Week
DPI	Digital Payments Index
DPI	Digital Public Infrastructure
D-SIBs	Domestic Systemically Important Banks
e-KYC	Electronic Know Your Customer
e₹-R	e₹ Retail
e₹-W	e₹ Wholesale
ECB	External Commercial Borrowing
EBPT	Earnings before Provisions and Taxes
ECL	Expected Credit Loss
ECLGS	Emergency Credit Line Guarantee Scheme
EMDEs	Emerging Market and Developing Economies
EMEs	Emerging Market Economies
EU	European Union
EXIM Bank	Export-Import Bank of India
FAR	Fully Accessible Route
FB	Foreign Bank
FCNR(B)	Foreign Currency Non-Resident (Bank)
FDI	Foreign Direct Investment
FIs	Financial Institutions
FII/ FI-Index	Financial Inclusion Index
FIP	Financial Inclusion Plan
FLW	Financial Literacy Week
FPC	Fair Practices Code
FPS	Fast Payment Systems
FRRR	Fixed Rate Reverse Repo
FSB	Financial Stability Board
FSWM	Financially Sound and Well- Managed
FVTPL	Fair Value through Profit and Loss
GCC	General Credit Card
GDP	Gross Domestic Product
GE	Government Effectiveness
GFC	Global Financial Crisis
G-NBFCs	Government-owned NBFCs
GNPA	Gross Non-Performing Assets
GSCs	Global Stablecoins
G-Secs	Government securities
G-SIBs	Global Systemically Important Banks
HFC	Housing Finance Company
HFSF	Hellenic Financial Stability Fund
HFT	Held for Trading
HQLAs	High Quality Liquid Assets
HTM	Held to Maturity
IBUs	IFSC Banking Units
ICAAP	Internal Capital Adequacy Assessment Process
ICCW	Interoperable Card-less Cash Withdrawal
ICD	Incremental Credit Deposit
I-CRR	Incremental Cash Reserve Ratio
I-D	Investment-Deposit
IDF-MF	Infrastructure Debt Fund-Mutual Fund
IDF-NBFCs	Infrastructure Debt Fund-NBFCs
IFC	International Finance Corporation
IFSC	International Financial Services Centre
IFRS	International Financial Reporting Standards
IGR	Internal Grievance Redressal
IIP	Index of Industrial Production
IIS	Investment in Securities
ILM	Internal Loss Multiplier
IME	Informal Micro Enterprises
IMF	International Monetary Fund
IO	Internal Ombudsman
IOs	International Organisations
IOSCO	International Organisation of Securities Commissions
IoT	Internet of Things
IPP	Instant Payment Platform
IRACP	Income Recognition, Asset Classification and Provisioning
IRB	Internal Rating-based
IRRBB	Interest Rate Risk in the Banking Book
ISSB	International Sustainability Standards Board
IT	Information Technology
JLGs	Joint Liability Groups
KCC	Kisan Credit Card
KYC	Know Your Customer
LABs	Local Area Banks
LAF	Liquidity Adjustment Facility
LCR	Liquidity Coverage Ratio
LEF	Large Exposure Framework
LEX	Large Exposures
LIBOR	London Interbank Offered Rate
LSP	Lending Service Provider
LR	Leverage Ratio
MAS	Monetary Authority of Singapore
MFs	Mutual Funds
MFIs	Micro Finance Institutions
MGC	Mortgage Guarantee Company
MIFOR	Mumbai Interbank Forward Outright Rate
MIS	Management Information Systems
ML	Machine Learning
MMFs	Money Market Funds
MMIFOR	Modified MIFOR
MoRD	Ministry of Rural Development
MoSPI	Ministry of Statistics and Program Implementation
MPC	Monetary Policy Committee
MSF	Marginal Standing Facility
MSMEs	Micro, Small and Medium Enterprises
MTM	Mark-to-Market
NABARD	National Bank for Agriculture and Rural Development
NaBFID	National Bank for Financing Infrastructure and Development
NARCL	National Asset Reconstruction Company Limited
NBFCs	Non-Banking Financial Companies
NBFC-AA	NBFC-Account Aggregator
NBFC-BL	NBFC-Base Layer
NBFC-D	Deposit-taking NBFCs
NBFC-ICC	NBFC-Investment and Credit Company
NBFC-IFC	NBFC-Infrastructure Finance Company
NBFC-MGC	NBFC-Mortgage Guarantee Company
NBFC-MFI	NBFC-Micro Finance Institution
NBFC-ML	NBFC-Middle Layer
NBFCs-ND	Non-Deposit taking NBFCs
NBFCs-ND-SI	Non-Deposit taking Systemically Important NBFCs
NBFC-NOFHC	NBFC-Non-Operative Financial Holding Company
NBFC-P2P	NBFC-Peer to Peer Lending Platform
NBFC-TL	NBFC-Top Layer
NBFC-UL	NBFC-Upper Layer
NBFI	Non-Bank Financial Intermediation
NBFIs	Non-Banking Financial Institutions
NCCDs	Non-Centrally Cleared Derivatives
NCD	Non-Convertible Debenture
NCMC	National Common Mobility Card
NDDC	Non-deliverable Derivative Contract
NDTL	Net Demand and Time Liabilities
NED	Non-executive Director
NFB	Non-fund based
NFC	Near Field Communication
NGFS	Network for Greening the Financial System
NHB	National Housing Bank
NII	Net Interest Income
NIM	Net Interest Margin
NLP	Natural Language Processing
NNPA	Net Non-Performing Asset
NOF	Net Owned Funds
NPA	Non-Performing Asset
NPCI	National Payment Corporation of India
NPL	Non-Performing Loan
NRC	Nomination and Remuneration Committee
NRI	Non-Resident Indian
NSUCBs	Non-scheduled Urban Co-operative Banks
NSFI	National Strategy for Financial Inclusion
NSFR	Net Stable Funding Ratio
OEF	Open Ended Funds
OEIF	Online Export-Import Facilitators
OFIs	Other Financial Intermediaries
OPEC	Organization of the Petroleum Exporting Countries
OPGSPs	Online Payment Gateway Service Providers
ORBIOs	Offices of Reserve Bank of India Ombudsmen
ORC	Operational Risk Capital
OTC	Over-the-Counter
OTPs	One-time passwords
P2P	Person-to-Person/ Peer-to-Peer
P2M	Person-to-Merchant
PA	Payment Aggregator
PACS	Primary Agricultural Credit Societies
PAN	Permanent Account Number
PBs	Payments Banks
PCA	Prompt Corrective Action
PCARDBs	Primary Co-operative Agriculture and Rural Development Banks
PCR	Provision Coverage Ratio
PDs	Primary Dealers
PIDF	Payments Infrastructure Development Fund
PLIs	Prime Lending Institutions
PMJDY	Pradhan Mantri Jan Dhan Yojana
PoS	Point-of-Sale
PSBs	Public Sector Banks
PSL	Priority Sector Lending
PSLCs	Priority Sector Lending Certificates
PVBs	Private Sector Banks
RBI	Reserve Bank of India
RBIH	Reserve Bank Innovation Hub
RB-IOS	Reserve Bank – Integrated Ombudsman Scheme
RCs	Reconstruction Companies
RCBs	Rural Co-operative Banks
RCCs	Rural Credit Co-operatives
RDA	Rupee Drawing Arrangement
REs	Regulated Entities
RIDF	Rural Infrastructure Development Fund
RMCB	Risk Management Committee of the Board
RoA	Return on Assets
RoE	Return on Equity
RPA	Robotic Process Automation
RR	Reserve Ratio
RRBs	Regional Rural Banks
RSA	Restructured Standard Advances
RTGS	Real Time Gross Settlement
RWAs	Risk Weighted Assets
SARFAESI Act	Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act
SBR	Scale Based Regulation
SCs	Securitisation Companies
SCARDBs	State Co-operative Agriculture and Rural Development Banks
SCBs	Scheduled Commercial Banks
SDF	Standing Deposit Facility
SEBI	Securities and Exchange Board of India
SFBs	Small Finance Banks
SFT	Securities Financing Transactions
SGDP	State Gross Domestic Product
SGrBs	Sovereign Green Bonds
SHG – BLP	Self-Help Groups – Bank Linkage Programme
SHGs	Self-Help Groups
SIAM	Society of Indian Automobile Manufacturers
SIDBI	Small Industries Development Bank of India
SLF	Special Liquidity Facility
SLR	Statutory Liquidity Ratio
SMA	Special Mention Accounts
SMFs	Small and Marginal Farmers
SPDs	Standalone Primary Dealers
SRs	Security Receipts
SRO	Self-Regulatory Organisation
SSBs	Standard-Setting Bodies
SSOC	Sectoral Security Operations Centre
StCBs	State Co-operative Banks
SUCBs	Scheduled UCBs
TAT	Turnaround Time
TOT	Toll Operate Transfer
TR	Total Remuneration
TReDS	Trade Receivables Discounting System
TSA	The Standardised Approach
UAC	Udyam Assist Certificates
UAP	Udyam Assist Portal
UCBs	Urban Co-operative Banks
UPI	Unified Payments Interface
URC	Udyam Registration Certificate
URN	Udyam Registration Numbers
USD	U.S. Dollar
VP	Variable Pay
VRR	Variable Rate Repo
VRRR	Variable Rate Reverse Repo
WACR	Weighted Average Call Rate
WAPs	Weighted Average Premiums
WEO	World Economic Outlook
WG	Working Group
WGDL	Working Group on Digital Lending
WLAs	White Label ATMs
WOS	Wholly Owned Subsidiary