List of Select Abbreviations

AACS AD ADR AFS AICCCA AIFI ALM AMC AML ARC ARCIL ATM BCBS BCP BCSBI BFS BIFR BoP BOS BPLR BPSS BSC BSE BSR CALCS CAMELS

As Applicable to Co-operative Societies Authorised Dealer American Depository Receipt Available For Sale Association of Independent Consumer Credit Counselling Agencies All-India Financial Institution Asset-Liability Management Asset Management Company Anti-Money Laundering Asset Reconstruction Company Asset Reconstruction Company (India) Ltd. Automated Teller Machine Basel Committee on Banking Supervision Business Continuity Planning Process Banking Codes and Standards Board of India Board for Financial Supervision Board for Industrial and Financial Reconstruction Balance of Payments Banking Ombudsman Scheme Benchmark Prime Lending Rate Board for Payment and Settlement Systems Balanced Scorecard Bombay Stock Exchange Ltd. Basic Statistical Return Capital Adequacy, Asset Quality, Liquidity, Compliance and System Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, Systems and Control

CBLO CBS CCCS CCDM CCIL CCP CD CDBMS CDF CDR CDRM CEO CFMS CFS CFT CGTSI CIBIL CLCC CLF CMP COBIT CP CPC CPI CPOS CPPAPS CPSS

Collateralised Borrowing and Lending Obligation Core Banking Solutions Consumer Credit Counselling Service Credit Counselling and Debt Management Clearing Corporation of India Ltd. Central Counter Party Certificate of Deposit Central Data-base Management System Co-operative Development Fund Corporate Debt Restructuring Corporate Debt Restructuring Mechanism Chief Executive Officer Centralised Funds Management System Consolidated Financial Statements Combating Financing of Terrorism Credit Guarantee Trust for Small Industries Credit Information Bureau of India Limited Central Labour Co-ordination Committee Collateralised Lending Facility Conflict Management Policy Control Objectives for Information and related Technology Commercial Paper Cheque Processing Centre Consumer Price Index Central Point of Supervision Committee on Procedures and Performance Audit on Public Services Committee on Payment and Settlement System

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CRAR CRCS CRR CSA CSD CSGL CSO CTR CTS CVC D&B DAPs DCCB DLIC DCRR DFI DICGC DLIC DMA DNSS DPSS DRI DRT DSA DTL DvP EBR ECB ECGC ECS EFT

Capital to Risk-Weighted Assets Ratio Central Registrar of Co-operative Societies Cash Reserve Ratio Co-operative Societies Act Customer Service Department Constituent Subsidiary General Ledger Central Statistical Organisation Cash Transaction Report Cheque Truncation System Central Vigilance Commission Dun & Bradstreet Information Services India (P) Ltd. Development Action Plans District Central Co-operative Banks District Level Implementation Committee Department for Co-operative Revival and Reforms Development Finance Institution Deposit Insurance and Credit Guarantee Corporation District Level Implementation and Monitoring Committee Direct Marketing Agent Deferred Net Settlement System Department of Payment and Settlement Systems Differential Rate of Interest Debt Recovery Tribunal Direct Sales Agent Demand and Time Liability Delivery versus Payment Export Bills Rediscounted External Commercial Borrowing Export Credit Guarantee Corporation Electronic Clearing Service Electronic Funds Transfer

EME ESOP ETF EWS EXIM Bank FAQs FBT FCAC FCNR FCNR (B) FDI FDIC FEDAI FFI FFMC FI FII FIMMDA FINO FIPB FIU-IND FMC FMD FRA FRB FRBM Act FRMS FSAP FSR FST GCC GCS GDCF GDP

Emerging Market Economy Employee Stock Option Plans Empowered Task Force Early Warning System Export Import Bank of India Frequently Asked Questions Fringe Benefit Tax Fuller Capital Account Convertibility Foreign Currency Non-Resident Foreign Currency Non-Resident (Banks) Foreign Direct Investment Federal Deposit Insurance Corporation Foreign Exchange Dealers Association of India Foreign Financial Institution Full Fledge Money Changer Financial Institution Foreign Institutional Investor Fixed Income Money Market and Derivatives Association of India Financial Information Network and Operations Foreign Investment Promotion Board Financial Intelligence Unit - India Forward Market Commission Financial Markets Department Forward Rate Agreement Floating Rate Bond Fiscal Responsibility and Budget Management Act Fraud Reporting and Monitoring System Financial Sector Assessment Programme Financial Stability Report Financial Sector Technology General Credit Card Gold Card Scheme Gross Domestic Capital Formation Gross Domestic Product

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GDR GFD GIC GLC GSA HFC HFT IADI IBS ICAI ICCOMS IDBI IDFC IDL IDRBT IAS IFCI IFR IFSC IIBI IIP IMD IMGC INFINET IPA IPDI IPO IRB IRDA IRDP IRS IS

Global Depository Receipt Gross Fiscal Deficit General Insurance Corporation of India General Lines of Credit Graded Supervisory Action Housing Finance Companies Held for Trading International Association of Deposit Insurers International Banking Statistics Institute of Chartered Accountants of India Integrated Currency Chest Operations and Management System Industrial Development Bank of India Infrastructure Development Finance Company Intra-Day Liquidity Institute for Development and Research in Banking Technology Internal Accounting System Industrial Finance Corporation of India Ltd. Investment Fluctuation Reserve Indian Financial System Code Industrial Investment Bank of India Index of Industrial Production India Millennium Deposit Indian Mortgage Guarantee Company Indian Financial Network Issuing and Payment Agent Innovative Perpetual Debt Instrument Initial Public Offering Internal Rating Based Insurance Regulatory and Development Authority Integrated Rural Development Programme Interest Rate Swap Information System

IT ITGGSM ITGI ITIL JPC KCC KVIB KYC LAB LAF LIBOR LIC LME LOLR LTCCS M3 MAP MLRO MEDP MFDEF MFI MIBOR MICR MIS MLRO MMBCS MNBC MNSB MoU MSS MPLS NABARD NAFCUB

Information Technology Internal Technical Group on Government Securities Market IT Governance Institute IT Infrastructure Library Joint Parliamentary Committee Kisan Credit Card Khadi and Village Industries Board Know your Customer Local Area Bank Liquidity Adjustment Facility London Inter-Bank Offer Rate Life Insurance Corporation of India London Metal Exchange Lender of Last Resort Long-Term Co-operative Credit Structure Broad Money Monitorable Action Plan Money Laundering Reporting Officer Micro Enterprise Development Programme Micro Finance Development and Equity Fund Micro Finance Institution Mumbai Inter-Bank Offer Rate Magnetic Ink Character Recognition Management Information System Money Laundering Reporting Office Magnetic Media Based Clearing System Miscellaneous Non-Banking Companies Multilateral Net Settlement Batch Memorandum of Understanding Market Stabilisation Scheme Multi-Protocol Layer Switching National Bank for Agriculture and Rural Development National Federation of Co-operative Urban Banks

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NAV NBC NBFC NBFI NBV NDS NDS-OM NDTL NEDFi NEFT NFCC NFGBC NFS NGO NHB NHC NIA NIC NIMC NOC NOF NPA NPFA NPL NRE NRI NSE OBS OBU OECD OLRR OLTAS ORFS

Net Asset Value Net Bank Credit Non-Banking Financial Company Non-Banking Financial Institutions Net Book Value

OSMOS OSS OTC OTS PACS

Off-Site Monitoring and Surveillance System Off-site Surveillance System Over the Counter One Time Settlement Primary Agricultural Credit Society Personal Accident Insurance Scheme Primary Co-operative Agricultural and Rural Development Bank Primary Dealer Principal Inspection Officer Public Key Infrastructure Prime Lending Rate Prevention of Money Laundering Act Prime Minister Rojgar Yojna Point of Sale Public Sector Bank Public Sector Enterprise Quantitative Impact Study Risk-Based Internal Audit Risk-Based Supervision Registrar of Co-operative Societies Rural Infrastructural Development Fund Residuary Non-Banking Company Registrar of Companies Regional Rural Bank Real Time Gross Settlement System Service Area Approach Special Agricultural Credit Plan Seasonal Agricultural Operations Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Self-Assessment Report Severe Acute Respiratory Syndrome State Co-operative Agricultural and Rural Development Bank

Negotiated Dealing System PAIS NDS Order Matching PCARDB Net Demand and Time Liability North Eastern Development Finance Corporation National Electronic Fund Transfer National Foundation for Credit Counselling Non-food Gross Bank Credit National Financial Switch Non-Government Organisation National Housing Bank National Housing Credit New India Assurance Company Limited National Industrial Credit National Implementation Monitoring Committee No Objection Certificate Net Owned Fund Non-Performing Asset Non-Performing Financial Assets Non-Performing Loan Non-Resident External Non-Resident Indian National Stock Exchange Off-balance Sheet Off-Shore Banking Unit Organisation for Economic Co-operation and Development SAR On-line Reject Repair SARS On-line Tax Accounting System SCARDB On-line Returns Filing System RNBC ROC RRB RTGS SAA SACP SAO SARFAESI PD PIO PKI PLR PMLA PMRY POS PSB PSE QIS RBIA RBS RCS RIDF

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SCB SC SDS SEB SEBI SEFCs SEFT SEZ SFAC SFC SFMS SGL SGSY SHG SHPI SIDBI SIDC SIPS SJSRY SLA SLAF SLBCs SLEPCS SLR SLRS SME SPV

Scheduled Commercial Bank Scheduled Caste Special Deposit Scheme State Electricity Board Securities and Exchange Board of India Small Enterprises Financial Centres Special Electronic Funds Transfer Special Economic Zones Small Farmers Agri-Business Consortium State Financial Corporation Structured Financial Messaging System

SSC SSI SSS StCB STCCS STP STR STRIPS ST SWIFT TAFCUB

Special Sub-Committees Small Scale Industry Securities Settlement System State Co-operative Bank Short-Term Co-operative Credit Structure Straight Through Processing Suspicious Transaction Report Separate Trading of Registered Interest and Principal of Securities Scheduled Tribe Society for Worldwide Financial Telecommunication Task Force for Urban Co-operative Banks Tourism Finance Corporation of India Urban Co-operative Bank United India Assurance Company Ltd. Unit Trust of India Union Territory Level Bankers Committee Value at Risk Venture Capital Fund Village Knowledge Centre Virtual Private Networks Voluntary Retirement Scheme Very Small Aperture Terminal Weighted Average Discount Rate World Economic Outlook Working Group on Future Role of Financial Institutions Wholesale Price Index Extensible Business Reporting Language

Subsidiary General Ledger Swarn Jayanti Gram Swarojgar Yojna Self-Help Group Self-Help Promoting Institutions Small Industries Development Bank of India State Industrial Development Corporation Systemically Important Payment System Swarna Jayanti Shahari Rojgar Yojna Service Level Agreement Second Liquidity Adjustment Facility State Level Bankers Committees State Level Export Promotion Committees Statutory Liquidity Ratio Scheme for Liberlisation and Rehabilitation of Scavengers Small and Medium Enterprise Special Purpose Vehicle TFCI UCB UIA UTI UTLBC VaR VCF VKC VPN VRS VSAT WADR WEO WGRFIS WPI XBRL

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