List of Select Abbreviations

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Published on December 26, 2024

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List of Select Abbreviations

AA	Account Aggregator
AA	Appellate Authority
ACB	Audit Committee of the Board
AEs	Advanced Economies
AFA	Additional Factor of Authentication
AFS	Available for Sale
AGR	Alternate Grievance Redress
AI	Artificial Intelligence
AID	All-inclusive Directions
AIFIs	All India Financial Institutions
ANBC	Adjusted Net Bank Credit
APIs	Application Programming Interfaces
ARCs	Asset Reconstruction Companies
ARDL	Autoregressive Distributed Lag
ARR	Alternative Reference Rate
ATMs	Automated Teller Machines
BBPOUs	Bharat Bill Payment Operating Units
BBPS	Bharat Bill Payment System
BCs	Business Correspondents
BCBS	Basel Committee on Banking Supervision
BDDR	Bad and Doubtful Debt Reserve
BIS	Bank for International Settlements
BoE	Bank of England
bps	basis points
BR Act	Banking Regulation Act
BSBDA	Basic Savings Bank Deposit Accounts
CAB	Current Account Balance
CAD	Current Account Deficit
CAGR	Compound Annual Growth Rate
CASA	Current Account Savings Account
CBDC	Central Bank Digital Currency
CBDC-R	Central Bank Digital Currency-Retail
CBP	Co-Branding Partner
CCB	Capital Conservation Buffer
CCIL	Clearing Corporation of India Ltd.
CCPs	Central Counterparties
CCPA	Central Consumer Protection Authority
CCR	Counterparty Credit Risk
C-D ratio	Credit-Deposit Ratio
CDS	Credit Default Swap
CDs	Certificates of Deposit
CEO	Chief Executive Officer
CEPC	Consumer Education and Protection Cell
CEPD	Consumer Education and Protection Department
CEOBE	Credit Equivalent of Off-Balance Sheet Exposure
CEOs	Chief Executive Officers
CET1	Common Equity Tier 1
CFLs	Centres for Financial Literacy
CGTMSE	Credit Guarantee Fund Trust for Micro and Small Enterprises
CIR	Cost-to-Income Ratio
CISBI	Central Information System for Banking Infrastructure
CKYCR	Central Know Your Customer Registry
CMBs	Cash Management Bills
CMs	Clearing Members
COD	Commencement Operations Date
CoR	Certificate of Registration
CP	Commercial Paper
CPMI	Committee on Payments and Market Infrastructures
CRAR	Capital to Risk-weighted Assets Ratio
CRE	Commercial Real Estate
CRGFTLIH	Credit Risk Guarantee Fund Trust for Low Income Housing
CRILC	Central Repository of Information on Large Credits
CRPC	Centralised Receipt and Processing Centre
CTS	Cheque Truncation System
DBIE	Database on Indian Economy
DBT	Direct Benefit Transfers
DCCBs	District Co-operative Banks
DEA	Depositor Education and Awareness
DFI	Development Financial Institution
DFR	Deposit Facility Rate
DI	Deposit Insurance
DICGC	Deposit Insurance and Credit
	Guarantee Corporation
DIF	Deposit Insurance Fund
DLA	Digital Lending App
DPI	Digital Payments Index
ECB	European Central Bank
ECBs	External Commercial Borrowings
ECL	Expected Credit Loss
ECLGS	Emergency Credit Line Guarantee Scheme
ECM	Error Correction Term
EMEs	Emerging Market Economies
EMDEs	Emerging Market and Developing Economies
ERP	Enterprise Resources Planning
EU	European Union
EWIs	Early Warning Indicators
EWS	Early Warning Signals
EXIM Bank	Export-Import Bank of India
FATF	Financial Action Task Force
FBs	Foreign Banks
FCNR(B)	Foreign Currency Non-Resident (Bank)
FI	Financial Inclusion
FIPs	Financial Inclusion Plans
FIPs	Financial Information Providers
FI-Us	Financial Information Users
FLCs	Financial Literacy Centres
FLDG	First Loss Default Guarantee
FPC	Fair Practices Code
FPS	Fast Payment System
FREE-AI	Framework for Responsible and Ethical Enablement of Artificial Intelligence
FSB	Financial Stability Board
FVI	Fraud Vulnerability Index
FX	Forex
GCC	General Credit Card
GDP	Gross Domestic Product
GenAI	Generative Artificial Intelligence
GFC	Global Financial Crisis
GHG	Greenhouse Gas
GMM	Generalised Method of Moments
GNPA	Gross Non-Performing Asset
G-secs	Government Securities
G-SIBs	Global Systemically Important Banks
GST	Goods and Services Tax
GVA	Gross Value Added
HFCs	Housing Finance Companies
HFCs-D	Deposit taking Housing Finance Companies
HFT	Held for Trading
HITM	Human-in-the-middle
HQLA	High-quality Liquid Assets
HTM	Held to Maturity
IBC	Insolvency and Bankruptcy Code
IBUs	IFSC Banking Units
I-CRR	Incremental Cash Reserve Ratio
ICT	Information and Communication Technology
IFRS	International Financial Reporting Standards
IFSC	International Financial Services Centre
IGR	Internal Grievance Redress
IL&FS	Infrastructure Leasing & Financial Services
IMF	International Monetary Fund
IMPS	Immediate Payment Service
InvITs	Infrastructure Investment Trusts
IO	Internal Ombudsman
IOSCO	International Organisation of Securities Commissions
IRACP	Income Recognition, Asset Classification and Provisioning
ISSB	International Sustainability Standards Board
IT	Information Technology
JLGs	Joint Liability Groups
KCC	Kisan Credit Card
KPIs	Key Performance Indicators
KYC	Know Your Customer
LABs	Local Area Banks
LAF	Liquidity Adjustment Facility
LBS	Lead Bank Scheme
LCR	Liquidity Coverage Ratio
LEAs	Law Enforcement Agencies
LEF	Large Exposures Framework
LR	Leverage Ratio
LTV	Loan-to-Value
MCIs	Multi-function Crypto-asset Intermediaries
MD	Managing Director
MDA	Micro-data Analysis
ML	Machine Learning
MPC	Monetary Policy Committee
MROs	Main Refinancing Operations
MSE	Micro and Small Enterprises
MSF	Marginal Standing Facility
MSME	Micro, Small and Medium Enterprises
NABARD	National Bank for Agriculture and Rural Development
NaBFID	National Bank for Financing Infrastructure and Development
NAFSCOB	National Federation of State Cooperative Banks
NAV	Net Asset Value
NBFC-BL	Non-Banking Financial Company - Base Layer
NBFC-CIC	Non-Banking Financial Company -Core Investment Company
NBFC-ICC	Non-Banking Financial Company - Investment and Credit Company
NBFC-IFC	Non-Banking Financial Company - Infrastructure Finance Company
NBFC-MFI	Non-Banking Financial Company - Micro Finance Institution
NBFC-MGC	Non-Banking Financial Company - Mortgage Guarantee Company
NBFC-ML	Non-Banking Financial Company - Middle Layer
NBFCs	Non-Banking Financial Companies
NBFC-NOFHC	Non-Banking Financial Company – Non-Operative Financial Holding Company
NBFCs-D	Deposit-taking NBFCs
NBFCs-P2P	Non-Banking Financial Companies - Peer to Peer
NBFC-UL	Non-Banking Financial Company - Upper Layer
NBFIs	Non-Banking Financial Institutions
NCCD	Non-Centrally Cleared Derivatives
NCDs	Non-Convertible Debentures
NCE	Non-Conventional Energy
NDS-OM	Negotiated Dealing System -Order Matching
NDTL	Net Demand and Time Liabilities
NEFT	National Electronic Funds Transfer
NGFS	Network for Greening the Financial System
NHB	National Housing Bank
NII	Net Interest Income
NIM	Net Interest Margin
NLDR	National Level Data Repository
NNPA	Net Non-Performing Assets
NOF	Net Owned Funds
NPI	National Payments Interface
NPL	Non-Performing Loans
NRC	Nomination and Remuneration Committee
NRE	Non-Resident External
NRO	Non-Resident Ordinary
NSFI	National Strategy for Financial Inclusion
NSFR	Net Stable Funding Ratio
NSUCBs	Non-Scheduled Urban Co-operative Banks
OBS	Off-Balance Sheet
OCEN	Open Credit Enablement Network
OD	Overdraft
OEFs	Open-Ended Funds
ORBIO	Office of the Reserve Bank of India Ombudsman
OTC	Over-the-Counter
P2M	Person-to-Merchant
P2P	Person-to-Person
PACS	Primary Agricultural Credit Societies
PAs	Payment Aggregators
P&L	Profit and Loss
PBs	Payments Banks
PCA	Prompt Corrective Action
PCARDBs	Primary Co-operative Agriculture and Rural Development Banks
PCR	Provision Coverage Ratio
PDs	Primary Dealers
PLR	Prime Lending Rate
PMAY	Pradhan Mantri Awas Yojana
PMJDY	Pradhan Mantri Jan Dhan Yojana
PRAVAAH	Platform for Regulatory Application, Validation and AutHorisation
PSBs	Public Sector Banks
PSL	Priority Sector Lending
PSLCs	Priority Sector Lending Certificates
PSOs	Payment System Operators
PSUs	Public Sector Undertakings
PVBs	Private Sector Banks
RB-CRIS	Reserve Bank – Climate Risk Information System
RB-IOS	Reserve Bank – Integrated Ombudsman Scheme
RBIH	Reserve Bank Innovation Hub
RBP	Risk Based Premium
RCCs	Rural Credit Co-operatives
REITs	Real Estate Investment Trust
REs	Regulated Entities
RFAs	Red Flagged Accounts
RMCB	Risk Management Committee of Board
RoA	Return on Assets
RoE	Return on Equity
RPO	Recover Point Objective
RR	Reserve Ratio
RRBs	Regional Rural Banks
RS	Regulatory Sandbox
RSA	Restructured Standard Advances
RTGS	Real Time Gross Settlement
RTO	Recovery Time Objective
RWAs	Risk-weighted Assets
SAF	Supervisory Action Framework
SARFAESI	Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest
SBR	Scale-based Regulation
SCARDBs	State Co-operative Agriculture and Rural Development Banks
SCB	Scheduled Commercial Bank
SDF	Standing Deposit Facility
SEs	Supervised Entities
SFBs	Small Finance Banks
SGrBs	Sovereign Green Bonds
SHG	Self Help Group
SIDBI	Small Industries Development Bank of India
SLAs	Service-level Agreements
SLR	Statutory Liquidity Ratio
SMA	Special Mention Account
SMF	Small and Marginal Farmers
SPDs	Standalone Primary Dealers
SR	Security Receipt
SRO	Self-regulatory Organisation
SRO-FT	Self–regulatory Organisation in FinTech sector
SSBs	Standard Setting Bodies
StCBs	State Co-operative Banks
SUCBs	Scheduled Urban Co-operative Banks
T-bills	Treasury Bills
TCFD	Task Force on Climate-related Disclosures
TFPG	Total Factor Productivity Growth
TOT	Toll Operate Transfer
TR	Trade Repository
TReDS	Trade Receivables Discounting System
TVP	Target Variable Pay
UAE	United Arab Emirates
UCBs	Urban Co-operative Banks
UIADI	Unique Identification Authority of India
ULI	Unified Lending Interface
UPI	Unified Payments Interface
UTs	Union Territories
VP	Variable Pay
VRRR	Variable Rate Reverse Repo
WACR	Weighted Average Call Rate
WADTDR	Weighted Average Domestic Term Deposit Rate
WALR	Weighted Average Lending Rate
WAP	Weighted Average Premium
WEO	World Economic Outlook
WLAs	White-label ATMs