List of Select Abbreviations

AAIFR Appellate Authority for Industrial BSE Mumbai Stock Exchange

and Financial Reconstruction
BSR Basic Statistical Return
ABS Asset Backed Security
CALCS Capital Adequacy, Asset Quality,
ACB Audit Committee of the Board Liquidity, Compliance and System

ACSTI Agricultural Co-operative Staff CAMELS Capital Adequacy, Asset Quality,

Training Institute Management, Earnings, Liquidity,
Systems and Control
AD Authorised Dealer
CBDT Central Board of Direct Taxes
ADR American Depository Receipt
CBLO Collateralised Borrowing and
AFI Annual Financial Inspection Lending Obligation
AFS Available For Sale CBS Consolidated Banking Statistics
AIFI All-India Financial Institution CCB Central Co-operative Bank
ALD Aggregate Liabilities to the Depositor CCIL Clearing Corporation of India Ltd.

ALM Asset-Liability Management CCU Corporate Credit Union

AMC Asset Management Company CD Certificate of Deposit

AMPI Aggregated Micro-Prudential C-D Ratio Credit Deposit Ratio

Indicators
CDF Co-operative Development Fund
APRA Australian Prudential and
CDR Corporate Debt Restructuring
Regulation Authority
CFMS Centralised Funds Management
ASIC Australian Securities and Investment
System
Commission
CFS Consolidated Financial Statement
ARC Asset Reconstruction Company
CGFTSI Credit Guarantee Fund Trust for
ARCIL Asset Reconstruction Company
Small Industries
(India) Limited
CIB Capital Indexed Bond
AS Accounting Standard
CIBIL Credit Information Bureau of (India)
ATM Automated Teller Machine Limited
BCBS Basel Committee on Banking CLF Collateralised Lending Facility
Supervision
CMP Common Minimum Programme
BFS Board for Financial Supervision
CoR Certificate of Registration
BIFR Board for Industrial and Financial
Reconstruction CP Commercial Paper

BIS Bank for International Settlements CPI Consumer Price Index

BOE Bank of England CPI-IW Consumer Price Index for Industrial

worker
BPLR Benchmark Prime Lending Rate
CPR Consolidated Prudential Return
BPSS Board for Payment and Settlement
Systems CRA Credit Reporting Agency

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CRAR Capital to Risk-weighted Assets Ratio FCRB Financial Companies Regulation Bill

CRISIL Credit Rating and Investment FDI Foreign Direct Investment

Services (India) Limited
FEDAI Foreign Exchange Dealers Association
CRR Cash Reserve Ratio of India

CSGL Constituent Subsidiary General FEMA Foreign Exchange Management Act

Ledger
FI Financial Institution
CVC Central Vigilance Commission
FII Foreign Institutional Investor
DAP Development Action Plan
FIMMDA Fixed Income Money Market and
DCCB District Central Co-operative Bank Derivatives Association of India

DDA Designated Depository Agency FIPB Foreign Investment Promotion Board

DFHI Discount and Finance House of India FRA Forward Rate Agreement

DFI Development Finance Institution FSI Financial Soundness Indicator

DICGC Deposit Insurance and Credit GCS Gold Card Scheme

Guarantee Corporation GDP Gross Domestic Product
DNSS Deferred Net Settlement System GDR Global Depository Receipt
DRAT Debt Recovery Appellate Tribunal GIC General Insurance Corporation
DRI Differential Rate of Interest GLC General Line of Credit
DRT Debt Recovery Tribunal GTB Global Trust Bank
DTL Demand and Time Liability HFT Held for Trading
DvP Delivery versus Payment HHI Hirschman and Herfindhal Index
EBR Export Bills Rediscounted HNI High Networth Individual

ECB External Commercial Borrowing HP Higher Purchase

ECGC Export Credit Guarantee Corporation HTM Held to Maturity

ECS Electronic Clearing Service IBA Indian Banks’ Association

EDP Electronic Data Processing IBS International Banking Statistics

EFT Electronic Funds Transfer ICAI Institute of Chartered Accountants

of India
EL Equipment Leasing
ICD Inter Corporate Deposit
EOU Export Oriented Unit
IDBI Industrial Development Bank of
ESOP Employee Stock Option India

EWS Early Warning System IDFC Infrastructure Development Finance

Company
EXIM Bank Export Import Bank of India
IDRBT Institute for Development and
FCCB Foreign Currency Convertible Bond Research in Banking Technology

FCNR Foreign Currency Non-Resident IFCI Industrial Finance Corporation of

India
FCNR (B) Foreign Currency Non-Resident
(Banks) IFR Investment Fluctuation Reserve

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IIBI Industrial Investment Bank of India MoU Memorandam of Understanding
Limited
MPI Macro Prudential Indicator
IIP Index of Industrial Production
MSCS Multi State Co-operative Society
IMCGC India Mortgage Credit Guarantee
Corporation MSS Market Stabilisation Scheme

IMF International Monetary Fund MTSS Money Transfer Service Scheme

INFINET INdian FInancial NETwork NABARD National Bank for Agriculture and
Rural Development
IPO Initial Public Offering
NAFSCOB National Federation of State
IRAC Income Recognition and Asset
Co-operative Banks Limited
Classification
NAV Net Asset Value
IRB Internal Rating Based
IRF Interest Rate Future NBC Net Bank Credit

IRS Interest Rate Swap NBFC Non-Banking Financial Company

IT Information Technology NCAER National Council of Applied

Economic Research
JLG Joint Liability Group
NCARDBF National Co-operative Agriculture
JPC Joint Parliamentary Committee and Rural Development Banks’
KCC Kisan Credit Card Federation

KYC Know Your Customer NCMDARDB National Centre for Management

Development in Agriculture and
L3 Broad Liquidity Aggregate Rural Development Banking
LAB Local Area Bank NCUA National Credit Union Administration
LAF Liquidity Adjustment Facility NCUSIF National Credit Union Share
LBS Locational Banking Statistics Insurance Fund

LIBOR London Inter-Bank Offered Rate NDS Negotiated Dealing System

LIC Life Insurance Corporation of India NDTL Net Demand and Time Liability

LNJPF Lok Nayak Jai Prakash Naryanan NEFT National Electronic Fund Transfer
Fund
NFS National Financial Switch
M3 Broad Money
NGO Non-Government Organisation
MBC Mutual Benefit Company
NHB National Housing Bank
MBFC Mutual Benefit Financial Company
NIBM National Institute of Bank
MBS Mortgage Backed Security
Management
MEI Macro Economic Indicator
NMCE National-level Multi Commodity
MFI Micro Finance Institution Exchange

MIBOR Mumbai Inter-Bank Offer Rate NOF Net Owned Fund

MICR Magnetic Ink Character Recognition NPA Non-Performing Asset
MISU Market Intelligence and NPC National Payment Council
Surveillance Unit
NPL Non-Performing Loan
MNBC Miscellaneous Non-Banking
Company NRE Non-Resident External
MOSSI Ministry of Small-Scale Industry NRI Non-Resident Indian

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NRNR Non-Resident Non-Repatriable QIS Quantitative Impact Study

NRO Non-Resident Ordinary Accounts RBS Risk Based Supervision

NRSR Non-Resident Special Rupee RCS Registrar of Co-operative Societies

NSDL National Securities Depository RFC Resident Foreign Currency

Limited
RIB Resurgent India Bond
NSE National Stock Exchange
RIDF Rural Infrastructural Development
NSS National Settlement System Fund

OBC Oriental Bank of Commerce RNBC Residuary Non-Banking Company

OBU Off-shore Banking Unit RoA Return on Asset

OCB Overseas Corporate Body RoE Return on Equity

RRB Regional Rural Bank

OLTAS Online Tax Accounting System
RTGS Real Time Gross Settlement
OMO Open Market Operation
RWA Risk Weighted Asset
OSMOS Off-Site Monitoring and Surveillance
System SACP Special Agricultural Credit Plan
OSS Off-Site Surveillance System SARFAESI Securitisation and Reconstruction of
Financial Assets and Enforcement of
OTC Over the Counter Security Interest
OTCEI Over the Counter Exchange of India SASF Stressed Asset Stabilisation Fund
OTS One Time Settlement SCARDB State Co-operative Agricultural and
Rural Development Bank
PAC Public Accounts Committee
SCB Scheduled Commercial Bank
PACS Primary Agricultural Credit Society
SGL Subsidiary General Ledger
PAT Profit After Tax
SEBI Securities and Exchange Board of
PBT Profit Before Tax
India
PCA Prompt Corrective Action SEFT Special Electronic Funds Transfer
PCARDB Primary Co-operative Agricultural SFC State Financial Corporation
and Rural Development Bank
SFMS Structured Financial Messaging
PCFC Pre-shipment Credit in Foreign System
Currency
SGSY Swarn Jayanti Gram Swarojgar Yojna
PD Primary Dealer
SHG Self Help Group
PDAI Primary Dealers Association of India
SHPI Self-Help Promoting Institution
PIS Portfolio Investment Scheme
SICA Sick Industrial Companies Act
PLR Prime Lending Rate
SIDBI Small Industries Development Bank
PSB Public Sector Bank of India

PSRS Prudential Supervisory Reporting SIDC Small Industries Development

System Corporation

PSU Public Sector Undertaking SIPS Systemically Important Payment

System
QIB Qualified Institutional Buyer
SJSRY Swarna Jayanti Shahari Rozgar
QII Qualified Institutional Investor Yojana

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SLBC State Level Bankers’ Committee TFCI Tourism Finance Corporation of
India
SLR Statutory Liquidity Ratio
TIN Tax Information Network
SLRS Scheme of Liberation and
Rehabilitation of Scavengers TUFS Technology Upgradation Fund Scheme
SME Small and Medium Enterprise UBD Urban Banks Department
SPV Special Purpose Vehicle UCB Urban Co-operative Bank
SSI Small Scale Industry UTI Unit Trust of India
StCB State Co-operative Bank VaR Value-at-Risk
STCI Securities Trading Corporation of VRS Voluntary Retirement Scheme
India Limited
VSAT Very Small Aperture Terminal
STP Straight Through Processing
WADR Weighted Average Discount Rate
STRIPS Separate Trading for Registered
Interest and Principal of Securities WPI Wholesale Price Index

TAMC Thai Asset Management Company YTM Yield to Maturity

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