List of Select Abbreviations

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Published on December 28, 2021

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List of Select Abbreviations

ACB	Audit Committee of the Board
AD	Authorised Dealer
ADSCR	Average Debt Service Coverage Ratio
AEs	Advanced Economies
AePS	Aadhar Enabled Payment Services
AIFIs	All-India Financial Institutions
AIFs	Alternative Investment Funds
ANBC	Adjusted Net Bank Credit
API	Application Programming Interface
AQR	Asset Quality Review
ARCs	Asset Reconstruction Companies
ARR	Alternative Reference Rate
ATMs	Automated Teller Machines
BCs	Business Correspondents
BCBS	Basel Committee on Banking Supervision
BFS	Board for Financial Supervision
BIS	Bank for International Settlements
BPLR	Benchmark Prime Lending Rate
BO	Banking Ombudsman
BR	Banking Regulation
BSBDA	Basic Saving Bank Deposit Accounts
CAGR	Compound Annual Growth Rate
CASA	Current Account and Savings Account
CBDCs	Central Bank Digital Currencies
CCB	Capital Conservation Buffer
CC	Cash Credit
CCPs	Central Counterparties
CCyB	Countercyclical Capital Buffers
C-D	Credit-Deposit
CDs	Certificates of Deposits
CDS	Credit Default Swap
CEO	Chief Executive Officer
CEOBE	Credit Equivalent of Off Balance-sheet Exposures
CEPCs	Consumer Education and Protection Cells
CET	Common Equity Tier
CIC	Core Investment Company
CISBI	Central Information System for Banking Infrastructure
CKYCR	Centralised KYC Registry
CMBs	Cash Management Bills
CoC	Committee of Creditors
CoFT	Card-on-File Tokenisation
CPI	Consumer Price Index
CPMI	Committee on Payments and Market Infrastructures
CPs	Commercial Papers
CPS	Centralised Payment System
CRAR	Capital to Risk-Weighted Asset Ratio
CRR	Cash Reserve Ratio
CSF	Cyber Security Framework
CUG	Closed User Groups
DBTs	Direct Benefit Transfer
DCCBs	District Central Co-operative Banks
DISCOMs	Distribution Companies
DICGC	Deposit Insurance and Credit Guarantee Corporation
DIF	Deposit Insurance Fund
DFI	Development Finance Institution
DLT	Distributed Ledger Technology
DPI	Digital Payments Index
DSCR	Debt Service Coverage Ratio
D-SIBs	Domestic Systemically Important Banks
ECB	External Commercial Borrowings
ECL	Expected Credit Loss
ECLGS	Emergency Credit Line Guarantee Scheme
EDPMS	Export Data Processing and Monitoring System
EMDEs	Emerging Market and Developing Economies
EMEs	Emerging Market Economies
eNWRs	electronic Negotiable Warehouse Receipts
ESG	Environmental, Social and Governance
ESOP	Employees Stock Option Plans
EXIM Bank	Export Import Bank of India
FAS	Financial Access Survey
FCA	Financial Conduct Authority
FCNR	Foreign Currency Non-Resident
FDI	Foreign Direct Investment
FDIC	Federal Deposit Insurance Corporation
FEMA	Foreign Exchange Management Act
FI-Index	Financial Inclusion Index
FIP	Financial Inclusion Plan
FMI	Financial Market Infrastructure
FPO	Follow-on Public Offer
FSB	Financial Stability Board
GDP	Gross Domestic Product
GNPA	Gross Non-Performing Assets
GSAP	Government Securities Acquisition Programme
G-secs	Government securities
G-SIBs	Global Systemically Important Banks
HDI	Human Development Index
HFCs	Housing Finance Companies
HNIs	High Net-worth Individuals
HPI	Human Poverty Index
HQLAs	High Quality Liquid Assets
HTM	Held to Maturity
IBA	Intercontinental Benchmark Administration
IBC	Insolvency and Bankruptcy Code
IBORs	Interbank Offered Rates
IBPCs	Inter-Bank Participation Certificates
ICAAP	Internal Capital Adequacy Assessment Process
ICC	Investment and Credit Company
ICE	Intercontinental Exchange
ICT	Information and Communication Technology
I-D	Investment-Deposit
IFC	International Finance Corporation
IFRS	International Financial Reporting Standards
IL&FS	Infrastructure Leasing and Financial Services Ltd
IMF	International Monetary Fund
IOS	Integrated Ombudsman Scheme
IPO	Initial Public Offer
IoT	Internet of Things
IRRBB	Interest Rate Risk in the Banking Book
ISSB	International Sustainability Standards Board
IT	Information Technology
IWG	Internal Working Group
JLGs	Joint Liability Groups
KCC	Kisan Credit Card
KYC	Know Your Customer
LABs	Local Area Banks
LAF	Liquidity Adjustment Facility
LCR	Liquidity Coverage Ratio
LEs	Legal Entities
LEX	Large Exposures
LIBOR	London Interbank Offered Rate
LR	Leverage Ratio
LTV	Loan-to-Value
MFIs	Micro Finance Institutions
MFIN	Microfinance Institutions Network
MFs	Mutual Funds
MGC	Mortgage Guarantee Company
MHP	Minimum Holding Period
MMFs	Money Market Funds
MPC	Monetary Policy Committee
MRR	Minimum Retention Requirement
MRTs	Material Risk Takers
MSF	Marginal Standing Facility
MSMEs	Micro, Small and Medium Enterprises
NABARD	National Bank for Agriculture and Rural Development
NABFID	National Bank for Financing Infrastructure and Development
NARCL	National Asset Reconstruction Company Limited
NBFC-AA	NBFC-Account Aggregator
NBFC-BL	NBFC Base Layer
NBFC-IDF	NBFC-Infrastructure Debt Fund
NBFC-IFC	NBFC-Infrastructure Finance Company
NBFC-MFI	NBFC-Micro Finance Institution
NBFC-ML	NBFC Middle Layer
NBFC-MGCs	NBFC Mortgage Guarantee Companies
NBFC-NOFHC	NBFC-Non-Operative Financial Holding Company
NBFC-P2P	NBFC–Peer to Peer Lending Platform
NBFCs	Non-Banking Financial Companies
NBFCs-D	Deposit-taking NBFCs
NBFCs-ND	Non-Deposit taking NBFCs
NBFCs-ND-SI	Non-Deposit taking Systemically Important NBFCs
NBFC-UL	NBFC Upper Layer
NBFI	Non-Bank Financial Intermediation
NBFIs	Non-Banking Financial Institutions
NCCDs	Non-Centrally Cleared Derivatives
NCDs	Non-Convertible Debentures
NCLT	National Company Law Tribunal
NDTL	Net Demand and Time Liabilities
NEFT	National Electronic Fund Transfer
NETC	National Electronic Toll Collection
NGFS	Network for Greening the Financial System
NHB	National Housing Bank
NII	Net Interest Income
NIM	Net Interest Margin
NOF	Net Owned Funds
NNPA	Net Non-Performing Asset
NPA	Non-Performing Asset
NPCI	National Payments Corporation of India
NPL	Non-Performing Loans
NRC	Nomination and Remuneration Committee
NRI	Non-Resident Indian
NSFE	National Strategy for Financial Education
NSFI	National Strategy for Financial Inclusion
NSFR	Net Stable Funding Ratio
NSUCBs	Non-Scheduled UCBs
NWRs	Negotiable Warehouse Receipts
OCC	Office of the Comptroller of the Currency
OD	Overdraft
OEFs	Open Ended Funds
OMOs	Open Market Operations
OTC	Over-The-Counter
OTs	Operation Twists
PACS	Primary Agricultural Credit Societies
PAT	Profit After Tax
PBs	Payments Banks
PCA	Prompt Corrective Action
PCARDBs	Primary Co-operative Agriculture and Rural Development Banks
PCR	Provision Coverage Ratio
PDI	Perpetual Debt Instruments
PDs	Primary Dealers
PIDF	Payments Infrastructure Development Fund
PLR	Prime Lending Rate
PMAY	Pradhan Mantri Awas Yojana
PMJDY	Pradhan Mantri Jan Dhan Yojana
PPI	Producer Price Inflation
PPIs	Prepaid Payment Instruments
PSBs	Public Sector Banks
PSL	Priority Sector Lending
PSLCs	Priority Sector Lending Certificates
PSPs	Payment System Providers
PVBs	Private Sector Banks
QE	Quantitative Easing
RBIH	Reserve Bank Innovation Hub
RB-IOS	Reserve Bank – Integrated Ombudsman Scheme
REs	Regulated Entities
RF	Resolution Framework
RIDF	Rural Infrastructure Development Fund
RMCB	Risk Management Committee of the Board
RNBC	Residuary Non-Banking Companies
RoA	Return on Assets
RoE	Return on Equity
RP	Resolution Plan
RRBs	Regional Rural Banks
RSA	Restructured Advances
RTGS	Real Time Gross Settlement
RWAs	Risk Weighted Assets
SAs	Statutory Auditors
SA-CCR	Standardised Approach for measuring Counterparty Credit Risk exposure
SAF	Supervisory Action Framework
SAR	Stressed Assets Ratio
SARFAESI Act	Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act
SCA	Statutory Central Auditors
SCARDBs	State Co-operative Agriculture and Rural Development Banks
SCBs	Scheduled Commercial Banks
SDLs	State Development Loans
SEBI	Securities and Exchange Board of India
SFBs	Small Finance Banks
SFG	Sustainable Finance Group
SHG – BLP	Self-help Groups – Bank Linkage Programme
SHGs	Self-help Groups
SIDBI	Small Industries Development Bank of India
SLF	Special Liquidity Facility
SLR	Statutory Liquidity Ratio
SLS	Special Liquidity Scheme
SLTRO	Special Three-year Long-Term Repo Operations
SMA	Special Mention Accounts
SMFs	Small and Marginal Farmers
SPDs	Standalone Primary Dealers
SPE	Special Purpose Entity
SPV	Special Purpose Vehicle
SRs	Security Receipts
SRO	Self-Regulatory Organization
SSBs	Standard-Setting Bodies
STC	Simple, Transparent and Comparable
StCBs	State Co-operative Banks
SUCBs	Scheduled UCBs
SWIFT	Society for Worldwide Interbank Financial Telecommunication
T-Bills	Treasury Bills
TBTF	Too-Big-To-Fail
TC	Trade Credit
TCFD	Task Force on Climate-related Financial Disclosures
TLAC	Total Loss-Absorbing Capacity
TLTRO	Targeted Long-Term Repo Operations
TReDS	Trade Receivables Discounting System
TREPS	Triparty Repo Dealing and Settlement
UCBs	Urban Co-operative Banks
UNDP	United Nations Development Programme
UPI	Unified Payments Interface
USD	U.S. dollar
VICS	Vulnerability Index for Cyber Security Framework
VINFRA	Fraud Vulnerability Index
VRRR	Variable Rate Reverse Repo
WAC	Weighted Average Cost
WAPs	Weighted Average Premiums
WLAs	White Label ATMs
WTDs	Whole Time Directors