List of Selected Abbreviations
for banking Exams
AACS As Applicable to Co-operative Societies
ABEP Annual Branch Expansion Programme
ADF Automated Data Flow
ADR American Depository Receipt
AEs Advanced Economies
AFA Additional Factor of Authentication
AFCs Asset Finance Companies
AFI Annual Financial Inspection
AGM Annual General Meeting
ALD Aggregate Liability to Depositors
ALM Asset-Liability Management
AMA Advanced Measurement Approach
AML Anti-Money Laundering
ANBC Adjusted Net Bank Credit
ARDB Agriculture and Rural Development Bank
ATM Automated Teller Machine
BBA British Bankers’ Association
BC Business Correspondent
BCBS Basel Committee on Banking Supervision
BCSBI Banking Codes and Standards Board of India
BFS Board for Financial Supervision
BIA Basic Indicator Approach
BIS Bank for International Settlements
BO Banking Ombudsman
BoE Bank of England
BoJ Bank of Japan
BOS Banking Ombudsman Scheme
BSE Bombay Stock Exchange Ltd.
CAD Current Account Deficit
CAG Comptroller and Auditor General
CAMELS Capital Adequacy, Asset Quality,Management,
Earnings, Liquidity, and Systems & Control
CAR Capital Adequacy Ratio
CASA Current Account and Savings Account
CBRC China Banking Regulatory Commission
CBS Core Banking Solutions
CCBs Central Co-operative Banks
CCP Central Counter Party
CD Certificate of Deposit
CD Ratio Credit to Deposit Ratio
CDR Corporate Debt Restructuring
CEO Chief Executive Officer
CETI Common Equity Tier I
CICs Core Investment Companies
CIS Collective Investment Schemes
CMBs Cash Management Bills
CME Capital Market Exposure
CoR Certificate of Registration
CP Commercial Paper
CPSS Committee on Payment and Settlement System
CRAR Capital to Risk-Weighted Assets Ratio
CRE-RH Commercial Real Estate –Residential Housing
CRR Cash Reserve Ratio
CTS Cheque Truncation System
DBT Direct Benefit Transfer
DCCB District Central Co-operative Bank
DICGC Deposit Insurance and Credit Guarantee Corporation
DIF Deposit Insurance Fund
DRT Debt Recovery Tribunal
D-SIB Domestic Systemically Important Bank
DTS Direct Transfer of Subsidies
Delhi NCR Delhi National Capital Region
EBA European Banking Authority
EBT Electronic Benefit Transfer
ECB European Central Bank
ECCS Express Cheque Clearing System
ECS Electronic Clearing Service
EMDEs Emerging Market and Developing Economies
EME Emerging Market Economy
ETF Exchange Traded Fund
EU European Union
EXIM Bank Export-Import Bank of India
FB Foreign Banks
FCs Financial Conglomerates
FCA Financial Conduct Authority
FCNR (B) Foreign Currency Non-Resident (Banks)
FDI Foreign Direct Investment
FEDAI Foreign Exchange Dealers’ Association of India
FI Financial Institution
FII Foreign Institutional Investor
FIP Financial Inclusion Plan
FLCs Financial Literacy Centres
FMI Financial Market Infrastructure
FSA Financial Services Authority
FSB Financial Stability Board
FSDC Financial Stability and
Development Council
FSLRC Financial Sector Legislative Reforms Commission
G-SIBs Global Systemically Important Banks
GCC General Credit Card
GDP Gross Domestic Product
GDR Global Depository Receipt
GFSR Global Financial Stability Report
GIC General Insurance Corporation of India
G-Secs Government Securities
GoI Government of India
HLSC High-Level Steering Committee
HTM Held to Maturity
HUF Hindu Undivided Families
IBA Indian Banks’ Association
IBAN International Bank Account Number
IBPS India Bill Payment System
ICB Independent Commission on Banking
ICBC Industrial and Commercial Bank of China
ICs Investment Companies
ICDs Inter-Corporate Deposits
ICICI Industrial Credit and Investment Corporation of
India
IDBI Industrial Development Bank of India
IDF Infrastructure Debt Funds
IDF-NBFCs Infrastructure Debt Fund - Non- Banking
Financial Companies
ID Ratio Investment-to-Deposit Ratio
IFC Infrastructure Finance Company
IFCI Industrial Finance Corporation of India
IVCF IFCI Venture Capital Funds Ltd.
IFSC Indian Financial System Code
IIBI Industrial Investment Bank of India
IMF International Monetary Fund
IRDA Insurance Regulatory and Development Authority
IRF Inter-Regulatory Forum
IT Information Technology
JLGs Joint Liability Groups
KA Key Attributes
KCC Kisan Credit Card
KYC Know Your Customer
LAB Local Area Bank
LAF Liquidity Adjustment Facility
LCs Loan Companies
LDA Loss Distribution Approach
LE Large Exposure
LEG Large Exposure Group
LIC Life Insurance Corporation of India
LPG Liquefied Petroleum Gas
LTRO Long-Term Refinancing Operations
LTV Loan-to-Value
MAP Monitorable Action Plan
MDR Merchant Discount Rate
MFI Micro Finance Institution
MGNREGA Mahatma Gandhi National Rural Employment
Guarantee Act
MICR Magnetic Ink Character Recognition
MIS Management Information System
MoU Memorandum of Understanding
MSE Micro and Small Enterprise
MSF Marginal Standing Facility
MSME Micro, Small and Medium Enterprises
NABARD National Bank for Agriculture and Rural
Development
NBFC Non-Banking Financial Company
NBFC-D Non-Banking Financial Company- Deposit taking
NBFC-MFIs Non-Banking Financial Companies - Micro Finance
Institutions
NBFC-ND Non-Deposit taking Non-Banking Financial Company
NBFCs-NDSI Non-Deposit taking Systemically Important Non-Banking Financial Companies
NBFI Non-Banking Financial Institution
NDTL Net Demand and Time Liability
NECS National Electronic Clearing Service
NEFT National Electronic Fund Transfer
NGO Non-Government Organisation
NHB National Housing Bank
NIA New India Assurance Company Ltd.
NII Net Interest Income
NIM Net Interest Margin
NOF Net Owned Fund
NOFHC Non-Operative Financial Holding Company
NPA Non-Performing Asset
NPCI National Payments Corporation of India
NPLs Non-Performing Loans
NRE Non-Resident (External)
NRI Non-Resident Indian
NRLM National Rural Livelihood Mission
OBS Off-Balance Sheet
OFIs Other Financial Intermediaries
OIC Oriental Insurance Company Ltd.
OMT Outright Monetary Transactions
ORM Operational Risk Management
OSMOS Off-Site Monitoring and Surveillance System
OTC Over the Counter
PACS Primary Agricultural Credit Society
PAT Profit After Tax
PBT Profit Before Tax
PCARDB Primary Co-operative Agriculture and Rural
Development Bank
PCR Provisioning Coverage Ratio
PD Primary Dealer
PDO – NDS Public Debt Office – Negotiated Dealing System
PFRDA Pension Fund Regulatory and Development Authority
PLR Prime Lending Rate
PoS Point of Sale
PSB Public Sector Bank
QE Quantitative Easing
QIS Quantitative Impact Study
RBS Risk-Based Supervision
RCS Registrar of Co-operativeSocieties
RDDBFI Recovery of Debts Due to Banks and Financial
Institutions
RGG Returns Governance Group
RNBC Residuary Non-Banking Company
RoA Return on Assets
RoE Return on Equity
RoAA Return on Average Assets
RoNW Return on Net Worth
RRB Regional Rural Bank
RTGS Real Time Gross Settlement System
RWAs Risk-Weighted Assets
SARFAESI Securitisation and Reconstruction of Financial Assets
and Enforcement of Security Interest
SBI State Bank of India
SC Scheduled Caste
SCARDB State Co-operative Agriculture and Rural
Development Bank
SCB Scheduled Commercial Bank
SCs/RCs Securitisation Companies/ Reconstruction
Companies
SEBI Securities and Exchange Board of India
SGSY Swarnajayanti Gram Swarojgar Yojana
SHG Self-Help Group
SIDBI Small Industries Development Bank of India
SIFI Systemically Important Financial Institution
SLBC State Level Bankers’ Committee
SLR Statutory Liquidity Ratio
SME Small and Medium Enterprise
SRs Security Receipts
ST Scheduled Tribe
StCB State Co-operative Bank
STCCS Short-Term Co-operative Credit Structure
T-Bills Treasury Bills
TCF Treating Customers Fairly
TFCI Tourism Finance Corporation of India Ltd.
TRs Trade Repositories
TSA The Standardised Approach
UCB Urban Co-operative Bank
UIIC United India Insurance Company Ltd.
UTI Unit Trust of India
VaR Value at Risk
WAC Weighted Average Cost
WAM Weighted Average Maturity
WEO World Economic Outlook
WG Working Group
WLA White-Label ATM
WMP Wealth Management Product
WOS Wholly Owned Subsidiary
WPI Wholesale Price Index
XML Extensible Mark-up Language
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