List of Select Abbreviations

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Published on December 21, 2017

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List of Select Abbreviations

AA	Account Aggregator
AACS	As Applicable to Co-operative Societies
ADR	American Depository Receipt
AE	Advanced Economy
AEPS	Aadhaar-Enabled Payment System
AFC	Asset Finance Company
AIC	Akaike Information Criteria
AIFI	All India Financial Institution
ALM	Asset Liability Management
AMC	Asset Management Company
AML / CFT	Anti-Money Laundering/ Combating the Financing of Terrorism
ANBC	Adjusted Net Bank Credit
AQR	Asset Quality Review
ARC	Asset Reconstruction Company
ATM	Automated Teller Machine
BC	Business Correspondent
BCBS	Basel Committee on Banking Supervision
BCP	Business Continuity Planning
BCSBI	Banking Codes and Standards Board of India
BFS	Board for Financial Supervision
BHIM	Bharat Interface for Money
BIRD	Bankers’ Institute of Rural Development
BIS	Bank for International Settlements
BO	Banking Ombudsman
BoE-CCS	Bank of England’s Credit Condition Survey
BRICS	Brazil, Russia, India, China and South Africa
BSBDA	Basic Savings Bank Deposit Account
BSE	Bombay Stock Exchange
CAMELS	Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Systems and Control
CAP	Corrective Action Plan
CAR	Capital to Assets Ratio
CARE	Credit Analysis and Research Limited
CASA	Current Account and Savings Account
CBR	Correspondent Banking Relationship
CBS	Core Banking Solution
CCB	Capital Conservation Buffer
CCC	Certified Credit Counsellor
CCCB	Counter-Cyclical Capital Buffer
CCP	Central Counterparty
CD	Certificate of Deposit
C-D Ratio	Credit to Deposit Ratio
CDIC	Canada Deposit Insurance Corporation
CDS	Credit Default Swap
CEPC	Consumer Education and Protection Cell
CET1	Common Equity Tier-1
CIC	Core Investment Company
CMB	Cash Management Bill
CMS	Complaint Management System
CoR	Certificate of Registration
CP	Commercial Paper
CPI	Consumer Price Index
CRAR	Capital to Risk-Weighted Assets Ratio
CRILC	Central Repository of Information on Large Credits
CRISIL	Credit Rating Information Services of India Limited
CRR	Cash Reserve Ratio
DCCB	District Central Co-operative Bank
DE	Designated Entity
DICGC	Deposit Insurance and Credit Guarantee Corporation
DNFBP	Designated Non-Financial Business and Profession
DRT	Debt Recovery Tribunal
DSR	Debt Service Ratio
DSTI	Debt-Service-to-Income
DTI	Debt-to-Income
EBPT	Earning Before Provisions and Taxes
ECL	Expected Credit Loss
ECS	Electronic Clearance Service
EMDE	Emerging Market and Developing Economy
EFD	Enforcement Department
EME	Emerging Market Economy
EoL	Exchange of Letter
ESDC	European Sovereign Debt Crisis
EURIBOR	Euro Interbank Offered Rate
EXIM Bank	Export Import Bank of India
FATF	Financial Action Task Force
FB	Foreign Bank
FC	Financial Conglomerate
FCCB	Foreign Currency Convertible Bond
FCNR(B)	Foreign Currency Non-Resident (Bank)
FI	Financial Institution
FII	Foreign Institutional Investor
FINCON	Financial Conglomerate Return
FIP	Financial Inclusion Plan
FMR	Fraud Monitoring Return
FOBAPROA	Fonda Bancario de Proteccion al Ahorro
FPI	Foreign Portfolio Investor
FPO	Follow-on Public Offer
FRDI	Financial Resolution and Deposit Insurance
FSB	Financial Stability Board
FSI	Financial Stability Institute
FSLRC	Financial Sector Legislative Reforms Commission
FSWM	Financially Sound and Well Managed
GCC	General Credit Card
GDP	Gross Domestic Product
GDR	Global Depository Receipt
GFC	Global Financial Crisis
GNPA	Gross Non-Performing Asset
G-secs	Government Securities
G-SIB	Global Systemically Important Bank
G-SII	Global Systemically Important Insurer
GST	Goods and Services Tax
HFC	Housing Finance Company
HKMA	Hong Kong Monetary Authority
HP	Hodrick-Prescott
HQ	Hannan-Quinn Information Criterion
HQLA	High Quality Liquid Assets
HRM	Human Resource Management
HTM	Held To Maturity
IAC	Internal Advisory Committee
IAIS	International Association of Insurance Supervisors
IBA	Indian Banks’ Association
IBBI	Insolvency and Bankruptcy Board of India
IBC	Insolvency and Bankruptcy Code
IRB	Interest Rate Benchmark
IC	Investment Company
ICAAP	Internal Capital Adequacy Assessment Process
ICRR	Incremental Cash Reserve Ratio
ICT	Information and Communications Technology
IDFC	Infrastructure Development Finance Corporation
IDF-NBFC	Infrastructure Debt Fund-Non- Banking Financial Company
IFC	Infrastructure Finance Company
IFRS	International Financial Reporting Standards
IFSC	Indian Financial System Code
IMF	International Monetary Fund
IMPS	Immediate Payment Service
Ind AS	Indian Accounting Standards
INFE	International Network on Financial Education
INFOMERICS	Integrated Financial Omnibus Metrics Research of International Corporate Systems
InvIT	Infrastructure Investment Trust
IOSCO	International Organisation of Securities Commissions
IPDI	Innovative Perpetual Debt Instruments
IRACP	Income Recognition, Asset Classification and Provisioning
IRDA	Insurance Regulatory and Development Authority
IRF	Inter Regulatory Forum
IRISc	Integrated Risk and Impact Scoring (Model)
IRRBB	Interest Rate Risk in the Banking Book
ISS	Interest Subvention Scheme
IT	Information Technology
JLF	Joint Lenders’ Forum
JLG	Joint Liability Group
JStCB	Jharkhand State Co-operative Bank
KA	Key Attribute
KAMCO	Korean Asset Management Company
KCC	Kisan Credit Card
KYC	Know Your Customer
LAB	Local Area Bank
LAF	Liquidity Adjustment Facility
LBS	Locational Banking Statistics
LC	Loan Company
LCR	Liquidity Coverage Ratio
LE	Large Exposures
LIBOR	London Inter-bank Offered Rate
LIC	Life Insurance Corporation of India
LOLR	Lender-of-Last-Resort
LR	Likelihood Ratio
LTD	Long-Term (Subordinated) Deposit
LTRCF	Long Term Rural Credit Fund
LTV	Loan-to-Value
MCLR	Marginal Cost of Funds based Lending Rate
MFI	Micro-Finance Institution
MGC	Mortgage Guarantee Company
MIS	Management Information System
MMF	Money Market Fund
MOSPI	Ministry of Statistics and Programme Implementation
MoU	Memorandum of Understanding
MPC	Monetary Policy Committee
MPR	Monetary Policy Report
MSC	Multi Service Centre
MSE	Micro and Small Enterprise
MSME	Micro, Small and Medium Enterprise
MSS	Market Stabilisation Scheme
NABARD	National Bank for Agriculture and Rural Development
NACH	National Automated Clearing House
NAFSCOB	National Federation of State Co-operative Banks Ltd.
NAMCABS	National Mission for Capacity Building of Bankers for Financing the MSME Sector
NAV	Net Asset Value
NBFC	Non-Banking Financial Company
NBFC-AA	Non-Banking Financial Company – Account Aggregator
NBFC-D	Non-Banking Financial Company – Deposit-taking
NBFC-IFC	Non-Banking Financial Company – Infrastructure Finance Company
NBFC-MFI	Non-Banking Financial Company – Micro Finance Institution
NBFC-ND	Non-Banking Financial Company – Non-Deposit taking
NBFC-ND-SI	Non-Deposit taking Systemically Important Non-Banking Financial Company
NBFC-P2P	Non-Banking Financial Company – Peer to Peer Lending Platform
NBFE	Non-Banking Financial Entity
NBFI	Non-Banking Financial Institution
NBNI G-SIFI	Non-Bank Non-Insurer Global Systemically Important Financial Institution
NCLAT	National Company Law Appellate Tribunal
NCLT	National Company Law Tribunal
NDS-OM	Negotiated Dealing System – Order Matching System
NDTL	Net Demand and Time Liabilities
NEDFi	North Eastern Development Finance Corporation Ltd.
NEFT	National Electronic Funds Transfer
NHB	National Housing Bank
NII	Net Interest Income
NIM	Net Interest Margin
NNPA	Net Non-Performing Asset
NOF	Net Owned Fund
NPA	Non-Performing Asset
NPCI	National Payments Corporation of India
NPL	Non-Performing Loan
NPS	National Pension System
NRA	National Risk Assessment
NRE	Non-Resident External Rupee
NRI	Non-Resident Indian
NRLM	National Rural Livelihoods Mission
NRNR	Non-Resident Non-Repatriable
NRO	Non-Resident Ordinary
NSCB	Non-Scheduled Co-operative Bank
NSE	National Stock Exchange
NSFR	Net Stable Funding Ratio
NSUCB	Non-Scheduled Urban Co-operative Bank
NULM	National Urban Livelihoods Mission
OBE	Off-Balance Sheet Exposure
OC	Overseeing Committee
OD	Overdraft
OECD	Organisation for Economic Co-operation and Development
OSFI	Office of the Superintendent of Financial Institutions
OTC	Over-the-Counter
OTP	One-Time Password
P2P	Peer-to-Peer
PACS	Primary Agricultural Credit Societies
PAT	Profit After Tax
PB	Payments Bank
PBT	Profit Before Tax
PCA	Prompt Corrective Action
PCARDB	Primary Co-operative Agriculture and Rural Development Bank
PCE	Partial Credit Enhancement
PCFC	Pre-Shipment Credit in Foreign Currency
PCR	Provision Coverage Ratio
PD	Primary Dealer
PDI	Perpetual Debt Instruments
PFRDA	Pension Fund Regulatory and Development Authority
PIF	Pro-active Intervention Framework
PLR	Prime Lending Rate
PMJDY	Pradhan Mantri Jan Dhan Yojana
PNCPS	Perpetual Non-Cumulative Preference Shares
PoS	Point of Sale
PP	Phillips-Perron
PPI	Pre-paid Payment Instrument
PR	Principal Regulator
PRA	Prudential Regulatory Authority
PSB	Public Sector Bank
PSL	Priority Sector Lending
PSLC	Priority Sector Lending Certificate
PVA	Prudent Valuation Adjustment
PVB	Private Sector Bank
QIP	Qualified Institutional Placement
QR	Quick Response
RBI	Reserve Bank of India
RC	Resolution Corporation
RCS	Registrar of Co-operative Societies
RE	Regulated Entities
ReBIT	Reserve Bank Information Technology Private Limited
REITs	Real Estate Investment Trust
RFR	Risk-Free Reference Rate
RHS	Right Hand Scale
RNBC	Residuary Non-Banking Company
RoA	Return on Asset
RoE	Return on Equity
RRB	Regional Rural Bank
RTGS	Real Time Gross Settlement
S4A	Scheme for Sustainable Structuring of Stressed Assets
SA-CCR	Standardised Approach for Measuring Counterparty Credit Risk
SARFAESI	Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest
SBN	Specified Bank Note
SC	Sub-committee
SC / RC	Securitisation Company/ Reconstruction Company
SCA	Statutory Central Auditor
SCARDB	State Co-operative Agriculture and Rural Development Bank
SCB	Scheduled Commercial Bank
SDR	Strategic Debt Restructuring
SEBI	Securities and Exchange Board of India
SFB	Small Finance Bank
SFC	State Financial Corporation
SGSY	Swarnajayanti Gram Swarojgar Yojana
SHG	Self-Help Group
SIB	Systemically Important Bank
SIDBI	Small Industries Development Bank of India
SLR	Statutory Liquidity Ratio
SMA	Special Mention Account
SME	Small and Medium Enterprise
SMERA	Small and Medium Enterprises Ratings Agency
SMF	Small and Marginal Farmer
SoC	Statement of Co-operation
SPARC	Supervisory Program for Assessment of Risk and Capital
SPD	Standalone Primary Dealer
SPV	Special Purpose Vehicle
SR	Security Receipt
StCB	State Co-operative Bank
STCCS	Short-Term Co-operative Credit Structure
ST-SAO	Short-Term (Seasonal Agricultural Operations)
SUCB	Scheduled Urban Co-operative Bank
TAICO Bank	Tamil Nadu Industrial Co-operative Bank Ltd.
T-Bills	Treasury Bills
TBTF	Too-Big-to-Fail
TIBOR	Tokyo Interbank Offered Rate
TLAC	Total Loss-Absorbing Capacity
TR	Trade Repository
TReDS	Trade Receivables Discounting System
UCB	Urban Co-operative Bank
UPI	Unified Payment Interface
VAR	Vector Auto Regression
VCF	Venture Capital Fund
WAC	Weighted Average Cost
WACR	Weighted Average Call Money Rate
WALR	Weighted Average Lending Rate
WAM	Weighted Average Maturity
WGRR	Working Group on Resolution Regimes
WLA	White Label ATM
WLTF	Wholesale and Long-Term Finance
XBRL	eXtensible Business Reporting Language
y-o-y	Year-on-Year