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ABBREVIATIONS :



ADs - Authorised Dealers
ALM - Asset Liability Management
AML - Anti-Money Laundering
ATM - Automated Teller Machine
BC - Business Correspondent
BCBS - Basel Committee on Banking Supervision
BIS - Bank for International Settlements
CAMELS - Capital Adquacy, Asset Quality,
Management, Earnings, Liquidity,Systems and Control
CBS - Core Banking Solutions
CD - Certificate of Deposit
CP - Commercial Paper
CRAR - Capital to Risk-Weighted Assets Ratio
CRR - Cash Reserve Ratio
CTS - Cheque Truncation System
DICGC - Deposit Insurance and Credit Guarantee
Corporation
DRT - Debt Recovery Tribunal
DvP - Delivery versus Payment
ECBs - External Commercial Borrowings
ECGC - Export Credit Guarantee Corporation
EEFC - Exchange Earners Foreign Currency
EFT - Electronic Funds Transfer
EOU - Export Oriented Unit
FCCB - Foreign Currency Convertible Bond
FCNR(B) - Foreign Currency Non-Resident (Banks)
FDI - Foreign Direct Investment
FED - Foreign Exchange Department of R BI
FEDAI - Foreign Exchange Dealers Association
of India
FI - Financial Institutions
FIEO - Federation of Indian Export
Organisation
FIIs - Foreign Institutional Investors
GDRs - Global Depository Receipts
IPOs - Initial Public Offerings
IT - Information Technology
KYC - Know Your Customer
LAF - Liquidity Adjustment Facility
LIBOR - London Inter-Bank Offer Rate
LOI - Letter of Intent
MBS - Mortgage Backed Securities
MF - Mutual Funds
MSMEs - Micro, Small and Medium Enterprises
MTM - Mark-to-Market
NABARD - National Bank for Agriculture and Rural
Development
NAV - Net Asset Value
NBFCs - Non-Banking Financial Companies
NDS - Negotiated Dealing Systems
NDS - OM - Negotiated Dealing System - Order
Matching
NDTL - Net Demand and Time Liability
NEFT - National Electronic Funds Transfer
NOF - Net Owned Funds
NPAs - Non-Performing Assets
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NR(E)RA - Non-Resident (External) Rupee Account
NRI - Non-Resident Indian
OD - Overdraft
OMO - Open Market Operation
PDI - Perpetual Debt Instruments
PE - Private Equity
QIB - Qualified Institutional Buyer
RoA - Return on Assets
ROE - Return on Equity
RTGS - Real Time Gross Settlement
RTI - Right to Information
SARFAESI - Securitisation and Reconstruction of
Financial Assets and Enforcement of
Security Interest
SBI - State Bank of India
SDR - Special Drawing Rights
SEBI - Securities and Exchange Board of India
SEZs - Special Economic Zones
SGL - Subsidiary General Ledger
SHGs - Self-Help Groups
SLR - Statutory Liquidity Ratio
SMEs - Small and Medium Enterprises
SPV - Special Purpose Vehicle
VaR - Value at Risk
Y-o-Y - Year-on-Year