FULL FORMS/ABBREVIATIONS=

WBG – Wholesale Banking Group

TxB – Transaction Banking
MARKET GROUP – refers to market segmentation
PTG – Proprietary Trading Group
SME – Small and Medium Enterprise
MCG - Mid Corporate Group
HRMG – Human resource Management Group
IMSG – Infrastructure Management Service Group
SLIDE - 16
MNC - Multinational Corporation
PSU - Public Sector Undertaking
NRI - Non Resident Indian
IBG - Institutional Banking Group
BCMG - Banc Capital Markets Group
ADR - American Depository Receipts (ADRs)
NYSE - New York Stock Exchange
SLIDE -21
RBG - Retail Banking Group
RIBG - Rural & Inclusive Banking
SMEG - Small & Medium Enterprise Group
LAS - Loan Against Securities
ERM - Enterprise Risk Management
VRM - Virtual Relationship Manager
CRM - Customer Relationship Management
IBG - Institutional Banking Group
TASC - Trust Association Society Club
GBG - Government Banking Group
CUSTOMER 360
IRV - Interest Risk Value
PPA - Print Payment Advice
RIB - Retail Internet Banking
CIB - Corporate Internet Banking
SA - Saving Account
CA - Current Account
FD - Fixed Deposit
RD - Recurring Deposit
CMS -Cash Management Service
GST - Goods & Service Tax
HL - Housing Loan
LAP -Loan Against Property
AL - Auto Loan
PL -Personal Loan
CC- Cash Credit
LAS - Loan Against Securities
BLG - Business Loan Group
SIP - Systematic Investment Plan
GI - General Insurance
De- mat - Electronic Holding of shares
PPF - Public Provident Fund
INDIAN BANKING SYSTEM
SFB - Small Finance Bank
REFORMS - LPG policy introduced by Narasimham
Committee
MERGER - Merger is considered to be a process
when two or more companies come together to
expand their business operation.
Example Syndicate bank is merged with Canara
Bank
RM ROLE RESPONSIBILITY
P2C - Product to customer
CASA - Current Account and Savings Account
HNI - High Networth Individual
NRI - Non Resident Individual
NCA - New Customer Acquisition
NRE - Non Resident External
NRO - Non Resident Ordinary
FCNR - Foreign Currency Non Resident
Pre and Premia focus - Saving A/c for NRI
SES - Self Employed Segment
CA - Current A/c
BLG - Business Loan Group
CMS - Cash Management Service
ETRG- Elite Trade Relations Group
IB - Institutional Banking
PPOP - Pre Provisioning Operating Profit
NPS - Net Promoter Score
AUM -Assets Under Management
MTD - Month to date
VB -Value banker
MAB - Monthly Average Balance
CPMR - Consumer Protection & Management
Regulations
FCRM - Finacle Customer Relationship Management
VPN - Virtual Private Network
MEB - Month End Balance
MAB - Monthly Average Balance
PMSD - Previous Month Same Date
SBM - Sr.Branch Manager
BM - Branch Manager
RH - Regional Head
DIGITAL TRANSFORMER
Upsell - moving silver A/C to gold A/C
RIB - Retail Internet Banking
Insta -NLI - Insta Natural Language Interaction
NPS - Net promoter Score
Mera- i-Mobile- Vernacular language i-Mobile
M.icicibank.com - Internet Banking
BOTM - Branch on the Move
EAZY PAY
SLIDE 55
DCC- Dynamic Currency Conversion

INSTA BIZ
EEFC - Exchange Earner Foreign Currency
UI - User Interface
I -Pal - Artificial Intelligence Based virtual Financial
Assistance
MPIN - Mobile PIN
MCLR - Marginal Cost of fund based lending Rates
TRADE - Basics of Trade
IE CODE- – Import Export code-A ten digit
numerical code allotted by the DGFT authorities.
The IEC number is based on the PAN
NOSTRO ACCOUNT - The term nostro account
literally means ‘our account with you’. A nostro
account refers to an account that a domestic bank
holds with a foreign bank and the account is usually
denominated in the foreign currency (domestic
currency of the foreign bank) .
ICICI Bank (INR)– JP MORGAN CHASE (FX)
VOSTRO ACCOUNT - The term ‘vostro account’
means ‘your account with us’. Here ’your’ refers to a
foreign bank and ‘us’ refers to the domestic bank.
Thus an account denominated in domestic currency
that is maintained by a foreign bank with a domestic
bank is called a vostro account.
JP MORGAN CHASE (FX) – ICICI Bank (INR)
HS CODE - Harmonized System - 8 digit code
Harmonized System (HS) Codes are commonly
used throughout the export process for goods.
The Harmonized System is a standardized
numerical method of classifying traded
products. It is used by customs authorities
around the world to identify products when
assessing duties and taxes and for gathering
statistics.
AD BANK - Authorized Dealer Bank
CATEGORY - 1- Relates to Bank
CATEGORY - 2 - Relates to money Exchanger
CATEGORY - 3 - Relates to NBFC
SOFTEX- SOFTWARE EXPORT DECLARATION
(SOFTEX) FORM
certification by STPI (which is the Designated
Authority), the companies have to become STP
members by either registering under STP
scheme or as NON-STP unit with STPI.
UCPDC-Uniform Customs and Practice for
Documentary Credits.
URC - Uniform Rules for Collections
URDG - Uniform Rules for Demand Guarantees
INCO TERMS - Incoterms a 3 digit short form of
International commercial terms, are a series of
pre-defined commercial terms published by the
International Chamber of commerce(ICC)
SLIDE 13
EDF - Export Declaration Form
SLIDE -16
EPC - Export Packing Credit
PCFC - Packing credit in foreign currency
Forex
Slide 4
NRO - Non -Resident ordinary
NRE - Non Resident External
LRS - Liberalised Remittance Scheme
ADR - American Depository Receipts
GDR - Global Depository Receipts
SLIDE 5
Expats - somebody who leaves their country of origin
and settles abroad for an extended period of time,
often permanently
SLIDE 9
BENE - Beneficiary
FCDD- Foreign Currency Demand Draft
SWIFT - Society for Worldwide Interbank Financial
Telecommunications
SLIDE 10
FCNR - Foreign Currency Non Resident Account

COMPLIANCE - AUDIT AND COMPLIANCE

SLIDE -5
JL - Jewel Loan
EOD SOLHO- End of today - SOL hand over
DFP - Delegation of financial power
SQL - Structured Query Language
FTR -Financial Transactions Report
LAFD - Loan Against FD
ROI - Return on Investment
EDD- Enhanced Due Diligence
SLIDE -6
IAD - Internal Audit Department
SLIDE -9
INCOGNITO - RBI officer enters bank as common
man and reveals his identity after raising an
objection
SLIDE -10
NSM - Note sorting Machine
NCM - Note Counting Machine
MILAP - Customer Meeting Day
SLIDE - 13
RCLG - Retail Channels and liabilities Group
SLIDE -18
DG - Diesel Generator
NON FTR - Non Financial Transaction Report
BR - Balancing Report (every Teller wise)
e - CBR - Electronic balancing Report
I- CORE - Internet Based Centralized Online
Real-time Exchange
SLIDE -20
LCT - Large cash transaction (Rs 10 Lakhs and
above)
LRS remittance - Liberalised Remittance Scheme
CUSTOMER EDD
SLIDE -2
CFT - Countering Financing of terrorism
SLIDE -10
STR - Suspicious Transaction Report
CTR - Cash Transaction Report
CCR - Counterfeit Currency Report
NTR - Non Transaction Report
CBWTR - Cross Border Wire Transfer Reporting
FIU - Financial Intelligence Unit
LEA - Law Enforcing Agencies
PML - Prevention of Money Laundering
SLIDE -19
LLC - Limited Liability Company
SLIDE -20
OFAC - Office of Foreign Assets Control
- By US Department of Treasury
- enforces economic and trade sanctions based on
 US foreign policy and national security goals
against targeted foreign countries and regimes,
terrorists, international narcotics traffickers,
those engaged in activities related to the
proliferation of weapons of mass destruction,
and other threats to the national security,
foreign policy or economy of the United​ States.
INVESTMENT - De-MAT
SLIDE -2
DEMAT - Electronic holding of securities like shares,
Mutual fund, bonds, debentures, G- Sec, other
marketable securities.
SLIDE -3
DEPOSITORY - In India, A depository (company)
established under the Depository Act provides
services like dematerialising securities, recording of
allotment of shares, transfer of ownership.
SEBI has authorised two depositories that can hold
securities in Demat form for demat account holders
National Securities Depository Ltd(NSDL)
Central Securities Depository Ltd(CSDL)
DEPOSITORY PARTICIPANT
An agent of the Depository. They are intermediaries
between the depository and the Investors
SLIDE 5
STANDALONE DEMAT A/C-only Demat A/c,No
Trading A/C
MUTUAL FUND REDEMPTION - A process wherein
investor sells his/her mutual fund units back to the
Mutual fund company (AMC)
E- INSTRUCTION REGISTRATION - Using IVR for
getting services
FREEZING FORM - Account holder can forward
such request if he/ she is out of the country and
won’t be able access a/c.
DEFREEZING FORM - Account holder can forward
such request if he/ she is back in the country and is
able to access a/c.
KRA - KYC Registration Agency e.g. CAMSKRA,
CVLKRA
SLIDE -11
VALUE OF TRADE - Includes purchase and sales in
a Demat A/C
FUND TRANSFER VALUE - When you sell any
securities, the money is credited to your trading
account.
SLIDE -13
ICICI DIRECT PLAN 299 - Free Brokerage is of Rs
299
ICICI DIRECT PLAN 1999 and higher - Validity is for
Lifetime
MTF -Margin Trading Fund
SLIDE -14
NEO A/C - No brokerage
SLIDE -18
ETF - Exchange Traded Fund - An exchange-traded
fund (ETF) is a basket of securities you buy or sell
through a brokerage firm on a stock exchange
SLIDE -21
BANKEX - BSE Bankex index comprises
constituents of the S&P BSE 500 that are classified
as members of the banks sector as defined by the
BSE industry classification system
CNX - CNX stands for the Credit Rating Information
Services of India Limited (CRISIL) and the National
Stock Exchange of India.
SERVICE - CUSTOMER SERVICE
SLIDE-4
ONE BANK ONE ROE - Return on Equity - If ROE is 20%
means bank can produce Rs 20 on every Rs 100
invested
NPS - Net Promoter Score - Current NPS of ICICI Bank
is 70%
ERV - Existing Relationship Value
SLIDE -5
IRV - Integrated Relationship Value
A+ customer are highly profitable customer
SLIDE - 27
ZERO ADDM - Available Digitally than Manually-
services which are available digitally should not be
extended manually
SLIDE - 30
QMC - Queue Management System
ASSETS - OVERVIEW OF ASSET PRODUCTS
SLIDE -3
BUILDER - Real Estate Co’s -especially for mortgages
FI - Field Investigation
PD - Personal Discussion
CIBIL - past repayment history of last 36 months is
checked.
Cibil score can be between 0 or 900.
Score depends on past lending
Person who has not taken any loan his score will be -1.
CPCS - Credit Performance Check System
FCPG - Fraud & Crime Prevention Group
APS - Application Processing System
NDS - Net Disbursement System
FinnOne- Digital Software that streamline loan
Management and services processes
SLIDE -4
PLCC - Personal loan on credit card
OTL - Over the Credit Line
SLIDE - 5
EMI for salaried person = 50% of monthly income
EMI for SES = 100% of monthly
SLIDE - 8
TVR - Telle Verification Report
SLIDE- 11
LTV - Loan To value
Fixed Interest Rate - used in PL & car Loan
Floating Interest Rate - Home loan, LAP
EMI - Equated Monthly Instalment
PRE- EMI - For home loan(only the interest is debited
to borrower)
MORATORIUM PERIOD - A moratorium is a temporary
halt of business as usual, or a suspension of some
law or regulation. Most of the time, moratoriums are
intended to alleviate short-term financial hardship
or provide time to resolve related issues.
FOIR - Fixed obligation to Income ratio
PF Charges - Processing File Charges
CERSAI - Central Registry of Securitization Asset
Reconstruction and Security Interest of India
CERSAI CHARGES
CERSAI prescribes the charges for a home loan that if a borrower takes a
loan above 5 lakhs then he will have to pay Rs. 100 + service tax and loans
that are below 5 lakhs will have to pay Rs. 50 + service tax. If there is a delay
in making updates regarding the transactions, it could result in a penalty.
CIBIL - Credit Information Bureau (India) Limited
PRE-PAYMENT - Prepayment is settlement of
instalment loan in advance of its official due date.
Not Available in Auto Loan
BALLON REPAYMENT -
EC-An Encumbrance Certificate or EC is a certificate
of assurance that the property in question is free
from any legal or monetary liability such as a
mortgage or an uncleared loan.
PLEDGE - Customer Initiated
LIEN - Bank Initiated
SLIDE - 42
GEMS - software for underwriting credit card
RCU - Risk Control Unit
CPCS - Credit Performance Check System
NFA - Non- Financial Authorization
CPC - Central processing centre
SES - BUSINESS LOAN
Business loans are forwarded on the basis of
turnover of business
Turnover means total sales in a particular period
MSME - Micro, Small & Medium Enterprises
MSME must have Udyam Registration (free)
MSME are classified not on turnover basis
BLG - Business Loan group - loan upto Rs 20 Cr.
SMEG - Loans above 20 cr to 100 cr
MID - CORP Group - Rs 100 cr to 250 Cr
WHOLESALE BANKING GROUP - Above 250 Cr
ICICI BANK - no lending on stocks- collateral is
must (any residential, commercial and industrial
property)
ICICI business loans are BT Mostly
TERM LOAN - given on Plant n Machinery, Building
These loans are Instalment type product
TRADE FACILITY -e.g. BG and LC, exporter,
EPC,PFC
SLIDE - 5
GSTR - Goods and Service Tax Return
Loan upto ` 2 cr. without financials basis GSTR
With GSTR of last 1 month and without financial
documents - Loan upto Rs 2 Cr.
WORKING CAPITAL-means the funds available for
day-to-day operations.
Working Capital = 75% of (Current assets - current
liabilities)
Current asset has two components - Debtors(buyer’s)
& stock
Current liabilities - Creditors(suppliers)
Example
({Debtors - 100} + {Stock -100} - {creditors-100})
(200 - 100)
Working capital Gap = Rs 100
Bank will give loan of 75% of Rs100 = Rs 75
Borrower will have to arrange for Rs 25
Taking the first method of calculating working capital
by Tandon Committee - In the first method, 25% of the Working
Capital Gap (CA-(CL excluding bank borrowing)) should be
contributed by borrower through long-term funds and remaining 75%
can be financed from bank borrowings.
BLG is for current Assets - short term loans
Liabilities is for long term loans like home loans,auto
loan

SLIDE -10
CASH CREDIT - is a limit which is given to the
customer based on the stock statement which he
submits every month.
OVERDRAFT- is a clean limit which can be either
secured or unsecured
AS PER RBI ANY LIMIT WHICH IS upto 2 cr can be
overdraft, any limit above 2 cr has to be CC LIMIT
TERM LOAN - given for acquisition of plants and
machinery
EXPORT PACKING CREDIT - Pre-shipment/Packing
Credit' means any loan or advance granted or any
other credit provided by a bank to an exporter for
financing the purchase, processing, manufacturing
or packing of goods prior to shipment, on the basis
of letter of credit opened in his favour or in favour of
some other person, by an overseas buyer
SLIDE -20
Many designations have been merged as R.M
ZH - BH -RM
ERV - Existing Relationship value
ETRG- Elite Trade Relations Group
SLIDE - 23
OSV - Original Seen and Verified
SLIDE -24
BIFR Board of Industrial and Financial
-
Reconstruction-example Binny and Co., Calico Mills,
Guest Keen Williams, Hindustan Cables, Metal Box
Company and Wyman Gordo
SLIDE -25
CASH AND CASH COLLATERAL - Fd , Shares,
SLIDE -26
NFA - Non-financial Authorization
CPG - Credit Processing Group
SLIDE - 28
UNSECURED
INSTA OD- for existing customer - limited to Rs 50 lakh
- based on debit credit of last 22 months
GOVT. SCHEMES
MUDRA - Mudra Loan is a credit funding scheme
initiated by the Government of India to offer
business loans and working capital loans
Types of MUDRA loans
● Under Shishu Scheme: Up to Rs. 50,000
● Under Kishor Scheme: Rs. 50,001 – Rs. 5,00,000
● Under Tarun Scheme: Rs. 5,00,001 – Rs. 10,00,000
SUVIDHA-higher version of MUDRA-upto Rs 25
lakhs
CGTMSE - Credit Guarantee Fund Trust for Micro and Small Enterprises
(CGTMSE) is jointly set up by Ministry of Micro, Small & Medium Enterprises (MSME),
Government of India and Small Industries Development Bank of India (SIDBI) to
catalyse flow of institutional credit to Micro & Small Enterprises (MSEs).
- From Rs 25 lakh to Rs 2 Cr
STAND UP - For Women(SC-ST) entrepreneur having
more than 51% shareholding - maximum Upto Rs 1
Cr
SECURED - collateral based loans
INSTA BLG - Limit Rs 1 Cr
GST LOAN - based on GST return where Balance
sheet is not available
SUPER BIZ FLEXI Limit - Based on Income of
Customer (including Rental Income) - only ICICI
bank is giving such limit

Every bank gives loans on the basis of turnover- i.e

Total sales in a particular period
Example- Business is having a turnover of Rs 10 Cr-
the secured Limit extended will be 20% of Turnover-
Rs 2 cr
After this limit, bank will other parameters like profit,
collateral offered, CIBIL Score. After getting balance
sheet calculate working capital gap
Higher limit will be considered after seeing the future
projection of sales (Turnover)
TURNOVER IS THE MOST IMPORTANT PART OF
LENDING
GOLD METAL LOAN - For Jewellers
ENTERPRISE CREDIT - any limit upto Rs 10 Cr
SLIDE 30
GST BUSINESS LOAN
Generally, audited balance sheet is not required in
business if turnover is upto Rs 2 Cr.
BLG is a retail product.
Average ticket size is from Rs 75lakh to Rs 1.25 Cr
ICICI Bank takes into consideration market rate of
Property no circle rate
Tell the USP of Multiple Banking
SLIDE 42
For ODFD bank charges 1% extra

SLIDE 49
INSTAOD
A unsecured limit
Given to a customer who is having a Current
account with us
Account is having some Dr. or Cr. balances for last
22 months