Click here to Visit the RBI’s new website

Annual Report


Note : To read the chapter of your choice, please click on the links below. You can also read past reports by accessing the archives in the right panel.
(33 kb)
Date : Aug 27, 2015
List of Abbreviations
AAY Antyodaya Anna Yojana
ABCI Association of Business Communications of India
ACB Audit Committee of Board
AD Authorised Dealer
ADF Asset Development Fund
ADF Automated Data Flow
ADR American Depository Receipts
AEs Advanced Economies
AFA Additional Factor of Authentication
AFCs Asset Finance Companies
AIFIs All India Financial Institutions
AMS Audit Management System
ANBC Adjusted Net Bank Credit
APL Above Poverty Line
APMC Agricultural Produce Marketing Committee
APMS Asset Price Monitoring System
ARCs Asset Restructuring Companies
ARMS Audit and Risk Management Sub-Committee
ATBs Auction Treasury Bills
ATM Automated Teller Machine
BAs Business Areas
BBPCU Bharat Bill Payment Central Unit
BBPOU Bharat Bill Payment Operating Unit
BBPS Bharat Bill Payment System
BC Business Correspondent
BCBS Basel Committee on Banking Supervision
BCM Bank for Currency Management
BCM Business Continuity Management
BCSBI Banking Codes and Standards Board of India
BE Budget Estimates
BFS Board for Financial Supervision
BIS Bank for International Settlements
BLRC Bankruptcy Law Reform Committee
BO Banking Ombudsman
BoJ Bank of Japan
BoP Balance of Payments
BPL Below Poverty Line
BPLR Benchmark Prime Lending Rate
BPR Business Process Re-engineering
bps Basis Points
BPSS Board for Regulation and Supervision of Payment and Settlement Systems
BRBNMPL Bharatiya Reserve Bank Note Mudran Private Ltd.
BRICS Brazil, Russia, India, China and South Africa
BSBD Basic Savings Banking Deposit
BSBDAs Basic Savings Bank Deposit Accounts
BSR Basic Statistical Return
CAB College of Agricultural Banking
CAD Current Account Deficit
CAFRAL Centre for Advanced Financial Research and Learning
CAMELS Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, Systems and Control
CAP Corrective Action Plan
CARG Compound Annual Rate of Growth
CBLO Collateralised Borrowing and Lending Obligation
CBS Core Banking Solution
CBSE Central Board of Secondary Education
CBSL Central Bank of Sri Lanka
CCB Committee of the Central Board
CCC Central Complaints Committee
CCCB Counter-Cyclical Capital Buffer
CCIL Clearing Corporation of India Ltd
CCP Central Counter Party
CCS Credit Condition Survey
CCSO Chief Customer Service Officer
CD Certificate of Deposit
CD Credit Deposit
CDR Corporate Debt Restructuring
CDS Credit Default Swaps
CEOBE Credit Equivalent Amount of Off-Balance Sheet Exposure
CEPD Consumer Education and Protection Department
CERSAI Central Registry of Securitisation Asset Reconstruction and Security Interest of India
CES Consumer Expenditure Survey
CFs Capital Funds
CGFs Committee of Global Financial System
CGRA Currency and Gold Revaluation Account
CGTMSE Credit Guarantee Trust for Micro and Small Enterprises
CHRS Comprehensive Human Resource System
CICs Credit Information Companies
CICs Core Investment Companies
CIL Coal India Limited
CIS Collective Investment Schemes
CISO Chief Information Security Officer
CIT Cash in Transit
CLSS Credit Linked Subsidy Scheme
CMBs Cash Management Bills
CMD Chairman and Managing Director
CODs Central Office Departments
CP Commercial Paper
CPC Cash Processing Centre
CPC Cheque Processing Centre
CPI Consumer Price Index
CPIAL Consumer Price Index Agricultural Labourers
CPIC Consumer Price Index Combined
CPIS Co ordinated Portfolio Investment Survey
CPMI Committee on Payments and Market Infrastructure
CRA Contingent Reserve Arrangement
CRAR Capital to Risk-Weighted Assets Ratio
CRILC Central Repository of Information on Large Credits
CRR Cash Reserve Ratio
CS Currency Swaps
CSBD Corporate Strategy and Budget Department
CSF Consolidated Sinking Fund
CSO Central Statistics Office
CTS Cheque Truncation System
CVA Credit Valuation Adjustment
CVMs Coin Vending Machines
DBIE Database on Indian Economy
DBR Department of Banking Regulation
DBS Department of Banking Supervision
DBT Direct Benefit Transfer
DCBR Department of Co-operative Bank Regulation
DCBS Department of Co-operative Bank Supervision
DCC Dynamic Currency Conversion
DCCBs District Central Co-operative Banks
DCCO Date of Commencement of Commercial Operations
DCM Department of Currency Management
DCs Data Centres
DCS Department of Corporate Services
DEA Depositor’s Education and Awareness
DEIO Department of External Investments and Operations
DEPR Department of Economic and Policy Research
DGBA Department of Government and Bank Accounts
DGCIS Directorate General of Commercial Intelligence and Statistics
DICGC Deposit Insurance and Credit Guarantee Corporation
DIF Deposit Insurance Fund
DIMU Data and Information Management Unit
DIT Department of Information Technology
DNBR Department of Non-Banking Regulation
DNBS Department of Non-Banking Supervision
DoC Date of Commissioning
DoC Department of Communication
DOLS Dynamic Ordinary Least Square
DPSS Department of Payment and Settlement Systems
DRG Development Research Group
DRHP Draft Red Herring Prospectus
DRTs Debt Recovery Tribunals
DSIBs Domestic Systemically Important Banks
DSIM Department of Statistics and Information Management
EBT Electronic Benefit Transfer
ECA Essential Commodities Act
ECB European Central Bank
ECB External Commercial Borrowing
ECCS Express Cheque Clearing System
ECF Economic Capital Framework
ECR Export Credit Refinance
ECS Electronic Clearing Service
EDMS Electronic Data Management System
EDPMS Export Data Processing and Monitoring System
EKP Enterprise Knowledge Portal
email Electronic mail
EMDEs Emerging Market and Developing Economies
EME Emerging Market Economy
EMV Europay, MasterCard and Visa
EOI Expression of Interest
EPC Engineering, Procurement and Construction
ERE Exchange Rate Elasticity
ERM Enterprise wide Risk Management
ETCD Exchange Traded Currency Derivatives
EU European Union
EWS Early Warning System
EXIM Bank Export Import Bank
FAO Food and Agriculture Organisation
FAQs Frequently Asked Questions
FBIL Financial Benchmarks India Pvt. Ltd
FCA Foreign Currency Assets
FCCBs Foreign Currency Convertible Bonds
FCI Food Corporation of India
FCNR(B) Foreign Currency Non Resident (Bank) Account
FCRA Foreign Currency Revaluation Account
FCs Financial Conglomerates
FCVA Forward Contracts Valuation Account
FCY Foreign Currency
FDI Foreign Direct Investment
FDIC Federal Deposit Insurance Corporation
FED Foreign Exchange Department
FEDAI Foreign Exchange Dealers' Association of India
FEMA Foreign Exchange Management Act
FI Financial Institution
FIAC Financial Inclusion Advisory Committee
FICN Fake Indian Currency Notes
FIDD Financial Inclusion and Development Department
FII Foreign Institutional Investor
FIMMDA Fixed Income Money Market and Derivatives Association of India
FIP Financial Inclusion Plan
FIPB Foreign Investment Promotion Board
FIT Flexible Inflation Targeting
FLCs Financial Literacy Centers
FMCG Fast Moving Consumer Goods
FMD Financial Markets Department
FMIs Financial Market Infrastructures
FMOD Financial Markets Operations Department
FMRD Financial Markets Regulation Department
FOREX Foreign Exchange
FPAS Forecasting and Policy Analysis System
FPI Foreign Portfolio Investment
FPOs Follow on Public Offers
FRA Financial Resolution Authority
FRA Forward Rate Agreement
FRBM Act Fiscal Responsibility and Budget Management Act
FSAP Financial Sector Assessment Programme
FSB Financial Stability Board
FSDC Financial Stability and Development Council
FSLRC Financial Sector Legislative Reforms Commission
FSR Financial Stability Report
FSU Financial Stability Unit
FSWM Financially Sound and Well Managed
FTP Foreign Trade Policy
FVCIs Foreign Venture Capital Investors
FWG Framework Working Group
FX Foreign Exchange
GBP Great British Pound
GCC General Credit Card
GDP Gross Domestic Product
GDR Global Depository Receipts
GFCE Gross Final Consumption Expenditure
GFCF Gross Fixed Capital Formation
GFD Gross Fiscal Deficit
GIFT Gujarat International Finance Tech City
GJRHRS Golden Jubilee Rural Housing Refinance Scheme
GMM Generalised Method of Moments
GNDI Gross National Disposable Income
GoI Government of India
GRA Gold Revaluation Account
GRF Guarantee Redemption Fund
GRQ General Review of Quotas
GSDP Gross State Domestic Product
G-Secs Government Securities
GSIBs Global Systemically Important Banks
G-SII Global Systemically Important Insurer
GST Goods and Services Tax
GVA Gross Value Added
GVC Global Value Chains
HFA Housing for All
HFCs Housing Finance Companies
HPI House Price Index
HQLAs High Quality Liquid Assets
HRMD Human Resource Management Department
HTM Held to Maturity
HUF Hindu Undivided Family
IADI International Association of Deposit Insurers
IAERM Internal Audit and Enterprise Risk Management
IBA Indian Banks’ Association
IBL Inter Bank Liabilities
IBS International Banking Statistics
IBU IFSC Banking Unit
ICBA Inter Central Bank Agreement
ICDR Issue of Capital and Disclosure Requirements
ICSD International Central Security Depositories
ICT Information and Communication Technology
IDFC Infrastructure Development Finance Company
IDMD Internal Debt Management Department
IDPMS Import Data Processing and Monitoring System
IESH Inflation Expectation Survey of Households
IFC Indian Financial Code
IFCs Infrastructure Finance Companies
IFRS International Financial Reporting Standards
IFSC International Financial Services Centre
IGIDR Indira Gandhi Institute of Development Research
IIBM Indian Institute of Bank Management
IIFC India Infrastructure Finance Company
IIP Index of Industrial Production
IIWG Investment and Infrastructure Working Group
ILO International Labour Organisation
IMD India Meteorological Department
IMF International Monetary Fund
IMPS Immediate Payment Service
INR Indian Rupee
InvITs Infrastructure Investment Trusts
IOD Indian Ocean Dipole
IORWG International Operational Risk Working Group
IOS Industrial Outlook Survey
IOSCO International Organisation of Securities Commission
IP Internet Protocol
IPOs Initial Public Offerings
IPv6 Internet Protocol Version 6
IRA Investment Revaluation Account
IRDA Insurance Regulatory and Development Authority
IRF Inter Regulatory Forum
IRFs Interest Rate Futures
IRS Interest Rate Swap
IRS Incident Reporting System
IRTG Inter Regulatory Technical Group
IS Information System
ISHUP Interest Subsidy Scheme for Housing the Urban Poor
ISOC Information Security Operations Centre
ISS Integrated Security System
IT Inflation Targeting
IT Information Technology
IT-BPO Information Technology Business Process Outsourcing
ITBs Intermediate Treasury Bills
ITF Implementation Task Force
IT-PAN Income Tax - Permanent Account Number
ITSC Information Technology Sub Committee
JLF Joint Lenders Forum
JLGs Joint Liability Groups
JV Joint Venture
KCC Kisan Credit Card
KRA Key Result Area
KYC Know Your Customer
LABs Local Area Banks
LAF Liquidity Adjustment Facility
LBMA London Bullion Market Association
LCR Liquidity Coverage Ratio
LE Large Exposure
LEI Legal Entity Identifier
LLPs Liability Partnership Companies
LOBOM Lower of Book or Market Value
LOLR Lender of Last Resort
LOU Local Operating Unit
LPA Long Period Average
LPG Liquefied Petroleum Gas
LR Leverage Ratio
LRS Liberalised Remittance Scheme
LSE London School of Economics
LTV Loan to Value Ratio
M3 Money Supply
MAT Minimum Alternate Tax
MCA Ministry of Corporate Affairs
MD Managing Director
MDR Merchant Discount Rate
MEIS Merchandise Exports from India Scheme
MEP Minimum Export Price
MFI Micro Finance Institution
MGNREGA Mahatma Gandhi National Rural Employment Guarantee Act
MI Market Intelligence
MIBOR Mumbai Interbank Offer Rate
MICR Magnetic Ink Character Recognition
MIS Management Information System
MMLR Market Maker of Last Resort
MMRP Modified Mixed Reference Period
MMS Mail Messaging System
MNOs Mobile Network Operators
MoSPI Ministry of Statistics and Programme Implementation
MoU Memorandum of Understanding
MPC Monetary Policy Committee
MPD Monetary Policy Department
MPR Monetary Policy Report
MSEs Micro and Small Enterprises
MSF Marginal Standing Facility
MSMEs Micro, Small and Medium Enterprises
MSPs Minimum Support Prices
MT Million Tonnes
MT Metric Tonne
MTM Mark to Market
MTSS Money Transfer Service Scheme
MUDRA Micro Units Development Refinance Agency
MW Mega Watt
NAB New Arrangements to Borrow
NABARD National Bank for Agriculture and Rural Development
NACH National Automated Clearing House
NAV Net Asset Value
NBFC Non-Banking Financial Company
NBFC-MFI NBFC-Micro Finance Institution
NBFCs-D Deposit-taking NBFCs
NBFCs-ND Non-Deposit taking NBFCs
NBFCs-ND-SI Systemically Important NBFCs-ND
NBV Net Book Value
NCBs Non-Cooperative Borrowers
NCDs Non-Convertible Debentures
NCERT National Council of Education Research and Training
NCLT National Company Law Tribunal
NCM National Commission for Minorities
NDA Net Domestic Assets
NDS-OM Negotiated Dealing System-Order Matching
NDTL Net Demand and Time Liabilities
NECS National Electronic Clearing Service
NEFT National Electronic Funds Transfer
NEM Northeast Monsoon
NFA Net Foreign Assets
NFS National Financial Switch
NHAI National Highways Authority of India
NHB National Housing Bank
NIBM National Institute of Bank Management
NIC Notes in Circulation
NIIF National Investment and Infrastructure Fund
NIIP Net International Investment Position
NIMs Net Interest Margins
NM3 New Monetary Aggregate
NOF Net Owned Fund
NONG Non-Oil Non-Gold
NPA Non-Performing Asset
NPCI National Payments Corporation of India
NPISH Non-Profit Institutions Serving Households
NRIs Non-Resident Indians
NRLM National Rural Livelihoods Mission
NSDL National Securities Depository Limited
NSDP Net State Domestic Product
NSFR Net Stable Funding Ratio
NSSO National Sample Survey Organisation
NULM National Urban Livelihoods Mission
NUUP National Unified USSD Platform
OBCs Other Backward Classes
OBS Off-Balance Sheet
OD Overdraft
ODI Overseas Direct Investment
OECD Organisation for Economic Co-operation and Development
OIS Overnight Index Swap
OMO Open Market Operations
OPEC Organisation of Petroleum Exporting Countries
ORM Operational Risk Management
OSMOS Off-Site Monitoring and Surveillance System
OSS Off-Site Surveillance
OTC Over-The-Counter
OVD Officially Valid Document
PA Provisional Accounts
PAN Permanent Account Number
PCA Prompt Corrective Action
PDMA Public Debt Management Agency
PDs Primary Dealers
PDS Public Distribution System
PFCE Private Final Consumption Expenditure
PFCVA Provision for Forward Contracts Valuation Account
PFMIs Principles for Financial Market Infrastructures
PFMS Public Finance Management System
PID Protection of Interests of Depositors’
PLF Plant Load Factor
PMG Project Monitoring Group
PMI Purchasing Managers Index
PMJDY Pradhan Mantri Jan DhanYojana
PMS Performance Management System
POL Petroleum, Oil and Lubricants
PoS Point of Sale
PPI Pre-Paid Payment Instrument
PPP Public-Private Partnership
PSBs Public Sector Banks
PSL Priority Sector Lending
PSLCs Priority Sector Lending Certificates
PSS Act Payment and Settlement Systems Act
PSUs Public Sector Undertakings
PvP Payment Versus Payment
QE Quantitative Easing
QFI Qualified Foreign Investor
QIB Qualified Institutional Buyer
QIP Qualified Institutional Placement
R&D Research and Development
RAF Risk Appetite Framework
RBI Reserve Bank of India
RBIA Risk Based Internal Audit
RBIQ Reserve Bank of India Quiz
RBIWPS Reserve Bank Working Paper Series
RBS Risk Based Supervision
RBSC Reserve Bank Staff College
RCG Regional Consultative Group for Asia
RCs Reconstruction Companies
RD Revenue Deficit
RDA Rupee Drawing Arrangement
RECS Regional Electronic Clearing Service
REITs Real Estate Investment Trusts
RFCA Revaluation of Forward Contracts Account
RFPI Registered Foreign Portfolio Investor
RGS Risk Governance Structure
RHF Rural Housing Fund
RIDF Rural Infrastructure Development Fund
RMD Risk Monitoring Department
RoA Return on Assets
ROC Regulatory Oversight Committee
RoE Return on Equity
ROs Regional Offices
RRBs Regional Rural Banks
RTGS Real Time Gross Settlement System
RTI Act Right to Information Act
RWA Risk Weighted Assets
SAA Swap Amortisation Account
SAARC South Asian Association for Regional Cooperation
SARFAESI Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest
SBIG Shadow Banking Implementation Group
SBP State Bank of Pakistan
SC Securitisation Company
SCAV Standing Committee on Assessment of Vulnerabilities
SCBs Scheduled Commercial Banks
SCs Scheduled Castes
SDF Special Drawing Facility
SDLs State Development Loans
SDR Special Drawing Rights
SDR Strategic Debt Restructuring
SDS Step Down Subsidiary
SEBI Securities and Exchange Board of India
SEIS Services Exports from India Scheme
SEP Self-Employment Programme
SEZs Special Economic Zones
SF SAARCFINANCE
SFT Securities Financing Transaction
SGL Subsidiary General Ledger
SHGs Self Help Groups
SIA Secretariat Industrial Assistance
SIBs Systemically Important Banks
SICA Sick Industrial Companies (Special Provisions) Act
SIDBI Small Industries Development Bank of India
SIOS Services and Infrastructure Outlook Survey
SJSRY Swarna Jayanti Shahari Rozgaar Yojana
SLBCs State Level Bankers’ Committees
SLCCs State Level Coordination Committees
SLR Statutory Liquidity Ratio
SMA Special Mention Accounts
SMC Senior Management Committee
SMS Short Message Service
SNB Swiss National Bank
SPMCIL Security Printing and Minting Corporation of India Limited
SRC Standing Committee on Supervisory & Regulatory Co-operation
SRs Security Receipts
StCBs State Co-Operative Banks
STOs State Treasury Offices
STP Straight-Through-Processing
STs Scheduled Tribes
SWM Southwest Monsoon
SWMA Special Ways and Means Advances
TAC Technical Advisory Committee
TACS Technical Advisory Committee on Surveys
TAG Technical Advisory Group
TC Technical Committee
TLAC Total Loss-Absorbing Capacity
TOLIC Town Official Language Implementation Committee
TR Trade Repositories
TReDS Trade Receivables Discounting System
UBD Urban Banks Department
UCBs Urban Co-Operative Banks
UK United Kingdom
UMP Unconventional Monetary Policy
US United States
USD US Dollar
USSD Unstructured Supplementary Service Data
UT Union Territory
VAPT Vulnerability Assessment and Penetration Testing
VARs Vector Auto-Regressions
VC Video Conferencing
VEC Vector Error Correction
VIF Variance Inflation Factor
WACR Weighted Average Call Money Rate
WADR Weighted Average Discount Rate
WADTDR Weighted Average Domestic Term Deposit Rate
WAEIR Weighted Average Effective Interest Rate
WALR Weighted Average Lending Rates
WAR Weighted Average Rate
WLAs White Label ATMs
WMA Ways and Means Advances
WOS Wholly Owned Subsidiary
WPI Wholesale Price Index
WSS Weekly Statistical Supplement
XBRL eXtensible Business Reporting Language
ZTC Zonal Training Centre

Top