LIST OF ABBREVIATIONS

ACH ACU ADs ADB ADRs AFS AIBP AIFI ALD ALM AMCs AML APL APM ARC AS ATM ACU BCBS BCSBI BCTT BE BFS BIFR BIS BLA BoP BOS BPL BPLR BPO BPSS BRBNMPL BSE BSR BTC CA CA CAB

Automated Clearing Houses Asian Clearing Union Authorised Dealers Asian Development Bank American Depository Receipts Available for Sale Accelerated Irrigation Benefit Programme All India Financial Institution Aggregate Liability to Depositors Asset-Liability Management Authorised Money Changers Anti-Money Laundering Above Poverty Line Administered Price Mechanism Asset Reconstruction Company Accounting Standard Automated Teller Machine Additional Competitive Underwriting Basel Committee on Banking Supervision Banking Codes and Standards Board of India Banking Cash Transaction Tax Budget Estimates Board for Financial Supervision Board for Industrial and Financial Reconstruction Bank for International Settlements Bond Ledger Account Balance of Payments Banking Ombudsman Scheme Below Poverty Line Benchmark Prime Lending Rate Business Process Outsourcing Board for Payment and Settlement Systems Bharatiya Reserve Bank Note Mudran Private Limited The Stock Exchange, Mumbai Basic Statistical Returns Bankers Training College Certification Authority Concurrent Audit College of Agricultural Banking

CBLO CBS CCC CCIL CCP CCRS CD CDR CENVAT CFMS CGRA CIB CIBIL CIC CoR CAPIO CPC CPDO CPI CPI-IW CPIO CP CPPAPS CRAR CRR CSAA CSGL CSF CSO CTR CTS CVPS CWBN DAD DAPM DBIE DBOD

Collateralised Borrowing and Lending Obligation Consolidated Banking Statistics Central Complaints Committee Clearing Corporation of India Limited Central Counter Party Currency Chest Reporting System Certificate of Deposit Corporate Debt Restructuring Central Value Added Tax Centralised Funds Management System Currency and Gold Revaluation Account Capital Indexed Bond Credit Information Bureau of India Limited Central Information Commissioner Certificate of Registration Central Assistant Public Information Officer Cheque Processing Centre Centralised Public Debt Office Consumer Price Index Consumer Price Index for Industrial Workers Chief Public Information Officer Commercial Paper Committee on Procedures and Performance Audit on Public Services Capital to Risk Weighted Assets Ratio Cash Reserve Ratio Control Self Assessment Audit Constituents Subsidiary General Ledger Consolidated Sinking Fund Central Statistical Organisation Cash Transaction Report Cheque Truncation System Currency Verification and Processing System Cylinder Mould Vat Watermarked Bank Note Deposit Accounts Department Department of Administration and Personnel Management Database on Indian Economy Department of Banking Operations and Development

xiii

LIST OF ABBREVIATIONS

DBS DCCB DCM DEAP DEBC DEIO DESACS DFEC DFHI DFIs DFRC DGBA DGCI&S DGFT DICGC DIT DLCC DMA DNBS DRG DRS DSA DSS DRT DTA DTL DvP ECB ECB ECR ECS EDI EEFC EEPC EFT EKMS

Department of Banking Supervision District Central Cooperative Bank Department of Currency Management Department of Economic Analysis and Policy Department of Expenditure and Budgetary Control Department of External Investments and Operations Department of Statistical Analysis and Computer Services Duty Free Entitlement Certificate Discount and Finance House of India Development Finance Institutions Duty Free Replenishment Certificate Department of Government and Bank Accounts Directorate General of Commercial Intelligence and Statistics Directorate General of Foreign Trade Deposit Insurance and Credit Guarantee Corporation Department of Information Technology District Level Consultative Committee Direct Marketing Agent Department of Non-Banking Supervision Development Research Group Disaster Recovery System Direct Selling Agent Debt Swap Scheme Debt Recovery Tribunal Domestic Tariff Area Demand and Time Liabilities Delivery versus Payment External Commercial Borrowing European Central Bank Export Credit Refinance Electronic Clearing Services Entrepreneurship Development Institute Exchange Earners Foreign Currency Engineering Export Promotion Council Electronic Funds Transfer Enterprise Knowledge Management System

EMEs EOU ESOP EU FBT FCCB FCI FCNR(B) FCRA FDI FEDAI FED FEMA FFMCs FIs FIIs FIMMDA FIPB FLU-IND FMD FMS FOB FPS FRA FRB FRBM FTP GAAP GATS GB GCC GDP GDR GDS GFCF GFD GIPSA GLC GoI

Emerging Market Economies Export Oriented Unit Employees Stock Option Plan European Union Fringe Benefit Tax Foreign Currency Convertible Bond Food Corporation of India Foreign Currency Non-Resident (Banks) Forward Contract Regulation Act Foreign Direct Investment Foreign Exchange Dealers Association of India Foreign Exchange Department Foreign Exchange Management Act Full Fledged Money Changers Financial Institutions Foreign Institutional Investors Fixed Income Money Market and Derivatives Association of India Foreign Investment Promotion Board Financial Intelligence Unit-India Financial Markets Department Focus Market Scheme Free on Board Focus Product Scheme Forward Rate Agreement Floating Rate Bond Fiscal Responsibility and Budget Management Financial Transaction Plan Generally Accepted Accounting Principles General Agreement on Trade in Services Giga-bytes General Credit Card Gross Domestic Product Global Depository Receipt Gross Domestic Saving Gross Fixed Capital Formation Gross Fiscal Deficit General Insurer s (Public Sector) Association of India General Line of Credit Government of India

xiv

LIST OF ABBREVIATIONS

GRF HFCs HFT HRDD HRMS HTM IAS IASC IBA IBS ICC ICCOMS IDBI IDMD IDR IDRBT IEA IES IFC IIFCL IIP IIT IMD IMF IMFC INFINET IPDI IPO IRB IRDA IRF IRS IS ISO ITES-BPO JPC

Guarantee Redemption Fund Housing Finance Companies Held for Trading Human Resources Department Held to Maturity Integrated Accounting System Inspection and Audit Sub-Committee Indian Banks Association International Banking Statistics International Credit Card Integrated Computerised Currency Operation and Management System Industrial Development Bank of India Internal Debt Management Department Indian Depository Receipt Institute for Development and Research in Banking Technology International Energy Agency Integrated Establishment System International Finance Corporation India Infrastructure Finance Company Limited Index of Industrial Production Indian Institute of Technology India Millennium Deposits International Monetary Fund International Monetary and Financial Committee Indian Financial Network Innovative Perpetual Debt Instrument Initial Public Offering Internal Rating Based Insurance Regulatory and Development Authority Interest Rate Future Interest Rate Swap Information System International Organisation for Standardisation Information Technology Enabled Services and Business Process Outsourcing Joint Parliamentary Committee Development

JV KCC KYC LAB LAF LAN LaR LBS LC LIC LIBOR LVPS M&A MA&SI MAT MBS MF MFI MICR MIS MMBCS MoU MPI MSS MSP MUC MW NABARD NASSCOM NAV NBC NBER NBFCs NCAER NDA NDS NDS - OM NDTL NEER

Joint Venture Kisan Credit Card Know Your Customer Local Area Bank Liquidity Adjustment Facility Local Area Network Liquidity at Risk Locational Banking Statistics Letter of Credit Life Insurance Corporation of India London Inter Bank Offered Rate Large Value Payment Systems Merger and Acquisition Management Audit & Systems Inspection Minimum Alternate Tax Mortgage-Backed Securities Mutual Fund Micro Finance Institution Magnetic Ink Character Recognition Management Information System Magnetic Media Based Clearing System Memorandum of Understanding Macro-Prudential Indicator Market Stabilisation Scheme Minimum Support Price Minimum Underwriting Commitment Mega Watts National Bank for Agriculture and Rural Development National Association of Software and Services Companies Net Asset Value National Building Code National Bureau of Economic Research Non-Banking Financial Companies National Council of Applied Economic Research Net Domestic Assets Negotiated Dealing System Negotiated Dealing System Order Matching Net Demand and Time Liabilities Nominal Effective Exchange Rate

Human Resources Management System

xv

LIST OF ABBREVIATIONS

NEFT NEP NER NFA NFEA NFFWP NGO NHB NIBM NIF NOF NPAs NPC NPV NREG NRI NRO NSC NSDL NREGF NSE

National Electronic Funds Transfer National Electricity Policy North Eastern Region Net Foreign Assets Net Foreign Exchange Assets National Food for Work Programme Non-Government Organisations National Housing Bank National Institute of Bank Management National Investment Fund Net Owned Funds Non-Performing Assets National Payments Council Net Present Value National Rural Employment Guarantee Act Non-Resident Indian Non-Resident Ordinary National Statistical Commission National Securities Depository Limited National Rural Employment Guarantee Fund National Stock Exchange National Stock Exchange-Mumbai Interbank Offer Rate National Sample Survey Organisation National Settlement System National Small Saving Fund Other Backward Class Offshore Banking Unit Overseas Corporate Bodies Online Tax Accounting System Open Market Operation Open Market Sales Organisation of Petroleum Exporting Countries Online Returns Filing System Over-the-Counter Over-the-Counter Exchange of India One-Time Settlement Other Welfare Schemes Primary Agricultural Cooperative Societies Personal Accident Insurance Scheme Profit After Tax

PBT PCA PDs PDO PDS P/E ratio PIOs PKI P&L PMLA POL PPP PSBs PSUs QIB QIP QIS R&D RBS RBSB RBSC RC RCC RD RE REER RIA RIDF RNBCs RPCD RRBs RTGS RTP SAARC SACP SAFTA SARFAESI

Profit Before Tax Prompt Corrective Action Primary Dealers Public Debt Office Public Distribution System Price Earnings ratio Persons of Indian Origin Public Key Infrastructure Profit and Loss Prevention of Money Laundering Act Petroleum Oil and Lubricants Public Private Partnership Public Sector Banks Public Sector Undertakings Qualified Institutional Buyer Qualified Institutional Placement Quantitative Impact Study Research & Development Risk-Based Supervision Reserve Bank Services Board Reserve Bank Staff College Reconstruction Company Regional Complaints Committee Revenue Deficit Revised Estimates Real Effective Exchange Rate Right to Information Act Rural Infrastructure Development Fund Residuary Non-banking Companies Rural Planning and Credit Department Regional Rural Banks Real Time Gross Settlement Reserve Tranche Position South Asian Association for Regional Cooperation Special Agricultural Credit Plan South Asian Free Trade Agreement Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest State Bank of India Shredding and Briquetting System Scheduled Caste

NSE-MIBOR NSSO NSS NSSF OBC OBU OCBs OLTAS OMO OMS OPEC ORFS OTC OTCEI OTS OWS PACS PAIS PAT -

SBI SBS SC

xvi

LIST OF ABBREVIATIONS

SCB SCRA SDDS SDL SDR SEB SEBI SEFT SEZs SFMS SGSY SHGs SIDBI SIPS SLAF SLBC SLCC SLR SLRS SMEs SPV SR SSCs SSIs SSSs StCB STP STR STRIPS

Scheduled Commercial Bank Securities Contracts (Regulation) Act Special Data Dissemination Standard State Development Loan Special Drawing Right State Electricity Board Securities and Exchange Board of India Special Electronic Funds Transfer Special Economic Zones Structured Financial Messaging Solution Swarnajayanti Gram Swarozgar Yojana Self-Help Groups Small Industrial Development Bank of India Systemically Important Payment Systems Second Liquidity Adjustment Facility State Level Bankers Committee State Level Coordination Committee Statutory Liquidity Ratio Scheme of Liberation and Rehabilitation of Scavengers Small and Medium Enterprises Special Purpose Vehicle Security Receipt Special Sub-Committees Small Scale Industries Securities Settlement Systems State Cooperative Bank Straight Through Processing Suspicious Transaction Report Separate Trading for Registered Interest and Principal of Securities

ST STT TAFCUBs TBs TFC TPDS UBD UCBs UNCTAD UNSNA URRBCH VaR VAT VCF WADR WAN WAP WDM WGC WI WMA WOS WSS WTI WTO Y-o-Y YTM ZTC

Scheduled Tribe Securities Transaction Tax Task Forces for Urban Cooperative Banks Treasury Bills Twelfth Finance Commission Targeted Public Distribution System Urban Banks Department Urban Cooperative Banks United Nations Conference on Trade and Development United Nation System of National Accounts, 1993 Uniform Regulations and Rules for Bankers Clearing House Value at Risk Value Added Tax Venture Capital Funds Weighted Average Discount Rate Wide Area Network Wireless Application Protocol Wholesale Debt Market World Gold Council When Issued Ways and Means Advance Wholly Owned Subsidiaries Weekly Statistical Supplement West Texas Intermediate World Trade Organisation Year on Year Yield-to-Maturity Zonal Training Centre

This Report can also be accessed on Internet URL : www.rbi.org.in

xvii