Financial and Economic Acronyms 001

Banking and Economics Abbreviation

A

2FA: Two Factor Authentication

A & AS: Account & audit section

AAPI: American Association of Physician of Indian Origin

ABS: Acrylonitrile butadiene styrene

ACF: Auto-Correlation Function

ACLF: Additional Collateralised Lending Facility

ACU: Asian Clearing Union

ADB: Asian Development Bank

ADR: American Depository Receipt

AFS: Annual Financial Statement

AIDBs: All India Development Banks

AIFIs: All India Financial Institutions

AIRCSC: All India Rural Credit Survey Committee

ALM: Asset Liability Management

AMC: Asset Management Company

ANBC: Adjusted Net Bank Credit

ANSI: American National Standards Institute

APACS: Association of Payment and Clearing Services

APEC: Asia Pacific Economic Corporation

APL: Above Poverty Line

APSFC: Andhra Pradesh State Financial Corporation

ARCIL: Asset Reconstruction Company of India Limited

ARCs: Asset Reconstruction Companies

ARIMA: Auto-Regressive Integrated Moving Average

ASBA: Application Supported by Blocked Amount

ASEAN: Association of South East Asian Nation

ASHA: Accredited Social Health Activist

ATM: Automated Teller Machine

ATS: Automatic Transfer Service

ATTAC: Association for the Taxation of Financial Transactions for the Aid of Citizens

B

BACS: Bankers Automated Clearing System

BC: Business Correspondent

BCBS: Basel Committee on Banking Supervision

BCMSs: Baroda Cash Management System

BCP: Branch Credit Plan

BFS: Board of Financial Supervision

BIFR: Board of Industrial and Financial Reconstruction

BIS: Bank for International Settlements

BLBC: Block-Level Bankers Committee

BO: Banking Ombudsman

BOD: Board of Directors

BOP: Balance of Payments

BPC: Benefits Processing Corp

BPL: Below Poverty Line

BPLR: Benchmark Prime Lending Rate

BPM5: Balance of Payments Manual, 5th edition

BPO: Business Processes Outsourcing

BPSD: Balance of Payments Division,

BR: Base Rate

BRA: Banking Regulation Act

BRICS: Brazil Russia India China South Africa

BSR: Basic Statistical Returns

C

CAAP: Capital Adequacy Assessment Process

CAAP: Commission for Agricultural Cost and Prices

CAD: Capital Account Deficit

CADPp: Command Area Development Pro-gramme

CAG: Comptroller and Auditor General

CAMELS: Capital, Assets, Management, Earnings, Liquidity, and System and Control

CAR: Capital Adequacy Ratio

CARL: Credit Analysis & Research Limited

CASA: Current and Saving Account

CBLOo: Collateralised Borrowing And Lending Obligations

CBN: Core Banking Network

CBS: Consolidated Banking Statistics India

CBS: Core Banking Solution

CBT: Computer Based Terminal

CC: Cash Credit

CCEA: Cabinet Committee on Economic Affair

CCF: Credit Conversion Factor

CCI: Competition Commission of India

CCIL: Clearing Corporation of India Limited

CCO: Chief Credit Officer

CD: Certificate of Deposit

CD: Ratio Credit Deposit Ratio

CDBS: Committee of Direction on Banking Statistics

CDR: Corporate Debt Restructuring

CDS: Credit Default Swaps

CED: Centre for Entrepreneurship Development

CEO: Chief Executive Officer

CF: Company Finance.

CFMS: Centralised Funds Management System

CFO: Chief Finance Officer

CFRA: Combined Finance and Revenue Accounts

CFS: Committee on the Financial System

CFS: Consolidated Financial Statements

CGRA: Currency and Gold Revaluation Account

CHAPS: Clearing House Automated Payment System

CHIPS: Clearinghouse Interbank Payments System

CIBIL: Credit Information Bureau of India Ltd

CIF: Cost, Insurance, Freight

CII: Confederation of Indian Industries

CLB: Company Law Board

CLF: Collateralised Lending Facility

CMA: Collateral Management Agreement

CMS: Cash Management Services

CNP: Card Not Present

CO: Capital Outlay

CORE: Centralised Online Real-time Exchange

CP: Commercial Paper

CPI: Consumer Price Index

CPs: Commercial Papers

CR: Capital Receipts

CRA: Credit Risk Assessment

CRAR: Capital to Risk Weighted Asset Ratio

CRD: Cash Ratio Deposit

CRISIL: Credit Rating and Information Services of India Limited

CRM: Customer Relationship Management

CRMT: Credit Risk Mitigation Techniques

CRO: Chief Risk Officer

CRR: Cash Reserve Ratio

CSGLA: Constituent’s Subsidiary General Ledger Account

CSIR: Council of Scientific and Industrial Research

CSO: Central Statistical Organisation

CWC: Central Warehousing Corporation

D

DA: Deliverable Against Acceptance

DBOD: Department of Banking Operations and Development

DBS: Department of Banking Supervision, RBI

DCA: Department of Company Affairs

DCB: Demand Collection and Balance

DCCB: District Central Cooperative Banks

DCM: Department of Currency Management, RBI

DCP: District Credit Plan

DD: Demand Draft

DDM: District Development Manager

DDS: Data Dissemination Standards

DEIO: Department of External Investments and Operations

DESACS: Department of Statistical Analysis & Computer Services, RBI

DFI: Development Financial Institutions

DFID: Department for International Development

DGBA: Department of Government and Bank Accounts, RBI

DGCI&S: Directorate General of Commercial Intelligence and Statistics

DICGC: Deposit Insurance and Credit Guarantee Corporation of India

DID: Discharge of Internal Debt

DIR: Differential Interest Rate

DMA: Departmentalised Ministries Account

DNPD: Derivatives and New Products Departments

DPG: Deferred Payment Guarantee

DPN: Derivative Usance Promissory Note

DPs: Depository Participants

DRI: Differential Rate of Interest Scheme

DRI: Beneficiaries of Differential Interest rate

DRT: Debt Recovery Tribunals

DSA: Direct Selling Agent

DSBB: Dissemination Standards Bulletin Board

DSCR: Debt Service Coverage Ratio

DTA: Domestic Tariff Area

DTAA: Double Taxation Avoidance Agreement

DVP: Delivery Versus Payment

DWCRA: Development of Women and Children in Rural Areas

E

ECB: European Central Bank

ECB: External Commercial Borrowing

ECGC: Export Credit and Guarantee Corporation

ECS: Electronic Clearing Scheme

ED: Enforcement Directorate

EDMU: External Debt Management Unit

EEA: Exchange Equalisation Account

EEC: European Economic Community

EEFC: Exchange Earners Foreign Currency

EEFCA: Exchange Earner’s Foreign Currency Account

EFR: Exchange Fluctuation Reserve

EFSF: Eurozone Financial Stability Facility

EFT: Electronic Funds Transfer

EFTA: European Free Trade Association

EFTPOS: Electronic Funds Transfer Point of Sale

EMI: Equated Monthly Installment

EMI: Equated Monthly Instalment

EPF: Employees Provident Fund

EPS: Earnings Per Share

ERP: Enterprise Resource Planning

ETFs: Exchange Traded Funds

EU: European Union

EXIM Bank: Export Import Bank of India

F

FAO: Food and Agriculture Organisation

FATF: Financial Action Task Force

FCA: Foreign Currency Assets

FCCB: Foreign Currency Convertible Bond

FCD: Fully Convertible Debentures

FCNR: Foreign Currency Non-resident

FCNRA: Foreign Currency Non-resident Account

FCNRD: Foreign Currency Non-Repatriable Deposit

FCP: Farmers Club Programme

FCRA: Forward Contract Regulation Act

FD: Fixed deposit

FDI: Foreign Direct Investment

FDI: Foreign Direct Investment

FDIC: Federal Deposit Insurance Corporation

FEMA: Foreign Exchange Management Act

FERA: Foreign Exchange Regulation Act

FI: Financial Institution

FICCI: Federation of Indian Chambers of Commerce and Industry

FII: Foreign Institutional Investor

FIMMDA: Fixed Income Money Market and Derivatives Association of India

FIP: Financial Inclusion Plan

FIs: Financial Institutions

FISIM: Financial Intermediation Services Indirectly Measured

FIU-IND: Financial Intelligence Unit-India

FLAS: Foreign Liabilities and Assets Survey.

FOB: Free-on-Board

FOF: Flow Of Funds

FPI: Foreign Portfolio Investment

FRA: Forward Rate Agreement

FRBM: Fiscal Responsibility and Budget Management Act, 2003

FRNs: Floating Rate Notes

FRO: Foreigners Registration Officer

FRRO: Foreigners Regional Registration Officer

FSDC: Financial Stability and Development Council

FSS: Financial Software Systems

FTA: Free Trade Area

FTT: Foreign Travel Tax

FWG: First Working Group on Money

G

GAAP: Generally Accepted Accounting Principles

GAFTA: Greater Arab Free Trade Area

GATT: General Agreement on Tariffs and Trade

GDCF: Gross Domestic Capital Formation

GDP: Gross Domestic Product

GDR: Global Depository Receipts

GDs: Gross Domestic Savings

GFD: Gross Fiscal Deficit

GFS: Government Finance Statistics

GIC: General Insurance Corporation of India

GIPSA: General Insurance Public Sector Association

GLS: Generalised Least Squares

GNIE: Government Not Included Elsewhere

GNP: Gross National Product

GoI: Government of India

GPD: Gross Primary Deficit

G-Sec: Government Securities

GSLV: Geosynchronous Satellite Launch Vehicle

GST: Goods and Services Tax

GSTPA: Global Straight Through Processing Association

H

HBO: Head of Branch Operations

HDFC: Housing Development Finance Corporation

HDFC: Housing Development Finance Corporation Ltd

HFCs: Housing Finance Companies

HFT: Held For Trading

HFT: Held for Trading

HICP: Harmonised Index of Consumer Prices

HO: Head Office

HPFC: Himachal Pradesh Financial Corporation

HRD: Human Resources Development

HSBC: The Hongkong and Shanghai Banking Corporation Ltd

HTM: Held to Maturity

HUDCO: Housing and Urban Development Corporation

HUF: Hindu Undivided Family

HYVP: High Yielding Variety Programme

I

IA: Internal Audit:

IAF: Indirect Agriculture Finance

IAIS: Intensive Agricultural Insurance Scheme

IBA: Indian Banks’ Association

IBPC: Inter Bank Participation Certificate

IBRD: International Bank for Reconstruction and Development

IBRD: International Bank for Reconstruction and Development

IBS: International Banking Statistics

ICAAP: Internal Capital Adequacy Assess-ment Process

ICAI: Institute of Chartered Accountants of India

ICAO: International Civil Aviation Organi-sation

ICAR: Indian Council of Agricultural Research

ICC: Integrated Circuit Card

ICDP: Intensive Cattle Development Programme

ICICI: Industrial Credit and Investment Corporation of India Limited

ICMR: Indian Council of Medical Research

ICRA: Investment Information and Credit Rating Agency

ICSID: International Centre for Settlement of Investment

IDB: India Development Bonds

IDBI: Industrial Development Bank of India

IDD: Industrial Development Department

IDFC: Infrastructure Development Finance Company Limited

IDR: Indian Depository Receipt

IDRBT: Institute for Development and Research in Banking Technology

IFAD: International Fund for Agricultural Development

IFC: International Finance Corporation

IFCI: Industrial Finance Corporation of India Limited

IFR: Investment Fluctuation Reserve

IFRS: International Financial Reporting Standard

IFS: International Financial Statistics

IFSC: Indian Financial System Code

IGLS: Iterative Generalised Least Squares

IIBI: Industrial Investment Bank of India Limited

IID: Integrated Infrastructural Development

IIP: Index of Industrial Production

IIP/InIP: International Investment Position

IIP: Index of Industrial Production

IMD: India Millennium Deposits

IMF: International Monetary Fund

IMPS: International Mobile Payment Services

INFINET: Indian Financial Network:

IOSCO: International Organisation of Securities Commission

IP: Interest Payment

IP: Internet Provider

IPG: Internet Payment Gateway

IPO: Initial Public Offering

IPSS: Integrated Payment and Settlement System

IRA: Individual Retirement Accounts

IRB: Internal Rating Based

IRBI: Industrial Reconstruction Bank of India

IRDA: Insurance Regulatory and Development Authority

IRDP: Integrated Rural Development Programme

IRQ: Industrial Reconstruction Corporation of India Limited

IRR: Internal Rate of Return

IRR: International Rate of Return

IRS: Interest Rate Swaps

ISDA: International Swaps and Derivative Association

ISIC: International Standard Industrial Classification

ISIN: International Securities Identifi-cation Number

ISO: International Standards Organisation

ITRS: International Transaction Reporting System

IVP: Indira Vikas Patra

IWGEDS: International Working Group on External Debt Statistics

J

JCB: Japan Credit Bureau

JLGs: Joint Liability Groups

K

KCC: Kisan Credit Card

KVP: Kisan Vikas Patra

KYC: Know Your Customer

KYC: Know Your Customer

L

LAF: Liquidity Adjustment Facility

LAF: Liquidity Adjustment Facility

LAMPS: Large-sized Adivasi Multipurpose Societies

LAN: Local Area Network

LAS: Loan & Advances by States

LBD: Land Development Bank

LBS: Locational Banking Statistics

LBS: Lead Bank Scheme

LC: Letter of Credit

LDC: Least Developed Country

LERMS: Liberalised Exchange Rate Management System

LETS: Local Exchange Trading Systems

LGD: Loss Given Default

LIBOR: London Interbank Offered Rate

LIC: Life Insurance Corporation of India

LLP: Limited Liability Partnership

LMM: Liquidity Management Module

LOC: Lines of Credit

LS: Level Shift

LT: Long Term

LTF: Long-Term Finance

LTO: Long Term Operation

M

M & As: Mergers & Acquisitions

M1: Narrow Money

M3: Broad Money

MAT: Minimum Alternate Tax

MBFC: Mutual Benefit Financial Company

MCA: Ministry of Company Affairs

MCR: Minimum Capital Requirement

MD: Market Discipline

ME: Merchant Establishments

MFIs: Micro-Financial Institutions

MIBOR: Mumbai Interbank Offered Rate

MICR: Magnetic Ink Character Recognition

MIGA: Multilateral Investment Guarantee Agency

MIGA: Multilateral Investment Guarantee Agency

MIRSD: Market Intermediaries Registration and Supervision Department

MIS: Management Information System

MLF: Micro Loan Factory

MMD: Money Market Deposits

MMDAs: Money Market Deposit Accounts

MMSE: Minimum Mean Squared Errors

MNBCs: Miscellaneous Non-Banking Companies

MODS: Multi-Option Deposit Scheme

MPBF: Maximum Permissible Bank Finance

MRD: Market Regulation Department

MRM: Monitoring and Review Mechanism

MRTP: Monopolies and Restrictive Trade Practices

MSF: Marginal Standing Facility

MSME: Micro, Small and Medium Enterprise

MSS: Market Stabilisation Scheme

MTM: Mark-To-Market

MTNs: Medium-Term Notes

N

NABARD: National Bank for Agriculture and Rural Development

NAC(LTO): National Agricultural Credit (Long Term Operation)

NACHA: National Automated Clearing House Association

NAFCUB: National Federation of Urban Cooperative Banks and Credit Societies

NAFED: National Agricultural Cooperative Marketing Federation

NAFTA: North American Free Trade Agreement

NAIO: Non Administratively Independent Office

NAIRU: Non-Accelerating Inflation Rate of Unemployment

NAIS: National Agriculture Insurance Scheme

NAS: National Account Statistics

NASSCOM: National Association of Software and Services Companies

NAV: Net Asset Value

NBC: Non-Banking Companies

NBC: Net Bank Credit

NBFC: Non Banking Financial Companies

NBFCs: Non-Bank Financial Companies

NCAER : National Council of Applied Economic Research

NCC: National Clearing Cells

NCLT: National Company Law Tribunal

NCS: Network Computing System

NDA: Net Domestic Assets

NDC: Non-Dues Certificate

NDS: Negotiated Dealing System

NDTL: Net Demand and Time Liabilities

NEC: Not Elsewhere Classified

NEER: Nominal Effective Exchange Rate

NEFT: National Electronic Fund Transfer

NFA: Non-Foreign Exchange Assets

NFA: Net Foreign Assets

NFD: Net Fiscal Deficit

NGO: Non-Governmental Organization

NHB: National Housing Bank

NIA: Negotiable Instruments Act

NIC: National Industrial Classification

NIF: Note Issuance Facility

NII: Net Interest Income

NIM: Net Interest Margin

NNML: Net Non-Monetary Liabilities

NNP: Net National Product

NOF: Net Owned Funds

NOW: Negotiable Order of Withdrawal

NPAs: Non-Performing Assets

NPD: Net Primary Deficit

NPLM: Non-Performing Loan Management

NPRB: Net Primary Revenue Balance

NPS: Non-Priority Sector

NPV: Net Present Value

NR(E)RA: Non-Resident (External) Rupee Account

NR(NR)RA: Non-Resident (Non-Reparable) Rupee Account

NRE: Non-Resident External

NRE: Non-Resident (External) Rupee Account

NRG: Non-Resident Government

NRI: Non-Resident Indian

NRNR: Non-Resident Non-Repatriable Term Deposit Account

NRO: Non-Resident Ordinary Account

NRSR: Non-Resident (special) Rupee Account

NSC: National Statistical Commission

NSE: National Stock Exchange

NSIC: National Small Industries Corporation:

NSS: National Savings Scheme

NSSF: National Small Savings Fund

NSSO: National Sample Survey Organisation

O

OBC: Oriental Bank of Commerce

OBE: Off-balance Sheet Exposures

OBUs: Offshore Banking Units

OCB: Overseas Corporate Bodies

OCT: Operation Control Terminal

OD: Over Draft

ODA: Official Development Assistance

OECD: Organisation for Economic Co-operation and Development

OECO: Organisation for Economic Co-operation

OFAC: Office for Foreign Assets Control

OFCs: Offshore Financial Centers

OFI: Other Financial Institutions

OLTAS: Online Tax Accounting System

OMO: Open Market Operations

ONGC: Oil and Natural Gas Commission

OPEC: Organisation of Petroleum Exporting Countries

OSCB: Other Indian Scheduled Commercial Bank

OTC: Over-The-Counter

OTCEI: Over-The-Counter Exchange of India Limited

OTS: One-Time Settlement

P

PACF: Partial Auto-Correlation Function

PACS: Primary Agriculture Credit Societies

PACS: Primary Agricultural Credit Societies

PAN: Permanent Account Number

PBS: Projected Balance Sheet

PBT: Profit Before Tax

PC: Participation Certificate

PCA: Prompt Corrective Action

PCARDB: Primary Cooperative Agriculture and Rural Development Bank

PCDs: Partly Convertible Debentures

PD: Primary Deficit

PD: Primary Dealer

PDAI: Primary Dealers Association of India

PDO: Public Debt Office

PDO-NDS: Public Debt Office-cum-Negotiated Dealing System

PDs: Primary Dealers

PES: Public Enterprises Survey

PF: Provident Fund

PFIs: Public Financial Institutions

PFS: Price Stabilisation Fund

PIN: Personal Identification Number

PIO: Persons of Indian Origin

PIO: People of Indian Origin

PKI: Public Key Infrastructure

PLIs: Prime Lending Institutions

PLP: Potential Linked Plan

PLR: Prime Lending Rate

PMEGP: Prime Minister’s Employment Generation Programme

PMLA: Prevention of Money Laundering Act

PMO: Primary Market Operations

PO: Principal Office

POA: Power of Attorney

POS: Point of Sale

PRB: Primary Revenue Balance

PSBs: Public Sector Banks

PSE: Public Sector Enterprises

PSFC: Post Shipment in Foreign Currency

PSR: Post Sanction Reporting

PTCs: Pass-Through Certificates

PUC: Paid Up Capital

Q

QIB: Qualified Institutional Buyer

QIB: Qualified Institutional Buyers

QIP: Qualified Institutional Placement

QIS: Quantitative Impact Study

QRR: Quick Review Report

R

RAROC: Risk-Adjusted Return on Capital

RBI: Reserve Bank of India

RBS: Risk-Based Supervision

RCC: Risk Control and Compliance

RCF: Risk Capital Foundation

RCI: Refinance Corporation for Industry

RCTC: Risk Capital and Technology Corporation

RD: Revenue Deficit

RDBMS: Relational Database Management System

RE: Revenue Expenditure

REC: Rural Electrification Corporation

REER: Real Effective Exchange Rate

REPO: Repurchase Agreement

REPOS: Ready Forward Contracts

RFC: Residents Foreign Currency

RFID: Radio Frequency Identification

RIB: Resurgent India Bonds

RIDF: Rural Infrastructure Development Fund

RLA: Recoveries of Loans & Advances

RLC: Repayment of Loans to Centre

RLS: Retail Loan Schemes

RMC: Risk Management Committee

RMG: Risk Management Group

RML: Reverse Mortgage Loan

RNBCs: Residuary Non-Banking Companies

ROA: Return on Assets

ROC: Registration of Companies

ROE: Return on Equity

RPA: Rupee Payment Area

RPCD: Rural Planning and Credit Department, RBI

RR: Revenue Receipts

RRBs: Regional Rural Banks

RTGS: Real Time Gross Securities

RTGS: Real Time Gross Settlement

RTP: Reserve Tranche Position

RUF: Revolving Underwriting Facility

RWA: Risk Weighted Asset

S

SAARC: South Asian Association for Regional Co-operation

SACs: Settlement Advisory Committees

SAFTA: South Asian Free Trade Agreement

SAM: Social Accounting Matrix

SAMIS: Strategic Asset Management Information System

SAPTA: South Asian Preferential Trade Agreement

SARFAES: Securitization and Reconstruction of Financial and Enforcement of Security Interest

SAS: Statistical Analysis System

SBI: State Bank of India

SCARDB: State Cooperative Agriculture and Rural Development Bank

SCB: State Cooperative Apex Bank

SCC: Selective Credit Control

SDDS: Special Data Dissemination Standards

SDR: Special Drawing Right

SDRS: Special Drawing Rights

SEBI: Securities and Exchange Board of India

SEBI: Securities and Exchange Board of India

SEBPs: Simplified Employee Benefit Plans

SEPUP: Self-Employment Programme for Urban Poor

SEU: Slightly Enriched Uranium

SEZs: Special Economic Zones

SFCs: State Financial Corporations

SFMS: Structured Financial Messaging Solution

SGSY: Swarnajayanti Gram Swarojgar Yojana

SHGs: Self-Help Groups

SICA: Sick Industrial Companies Act

SIDBI: Small Industries Development Bank of India

SIDC: State Industrial Development Corporation

SIM: Subscriber Identity Module

SI-SPA: Systems Improvement Scheme under Special Project Agriculture

SJSRY: Swarna Jayanti Shahari Rojgar Yojana

SLBC: State-level Banker’s Committee

SLR: Statutory Liquidity Ratio

SLRS: Scheme for Liberation & Rehabilitation of Scavengers

SME: Small and Medium Enterprises

SMG: Standing Monitoring Group

SNA: System of National Accounts

SOFA: Status of Force Agreement

SPNS: Shared Payment Network Systems

SPOM: Self-Programmable One-Chip Microcomputer

SPV: Special Purpose Vehicle

SRWTO: Small road & Water Transport Operators

SSI: Small-Scale Industries

SSIDC: State Small Industries Development Corporation

SSls: Small Scale Industries

SSSBEs: Small Scale Service & Business Enterprises

STF: Short-Term Finance

STP: Straight-Through Processing

STRIPS: Separate Registered Interest and Payment System

SWG: Second Working Group on Money

SWIFT: Social World Wide Interbank Financial Telecommunication

SWIFT: Society for Worldwide Interbank Financial Telecommunication

T

TAD: Terminal Access Device

TAN: Transaction Number/Tax Deduction Account Number

T-Bills: Treasury Bills

TBs: Treasury Bills

TCS: Tata Consultancy Services

TDF: Technical Development Fund

TDICI: Technology Development and Information Company of India Limited

TDS: Tax Deduction at Sources

TIEA: Tax Information Exchange Agreement

TIN: Tax Information Network

TPDS: Targeted Public Distribution System

TR: Treasurer

TRAI: Telecom Regulatory Authority of India

TRIFED: Tribal Co-operative Marketing Development Federation

TRIPS: Trade Related Intellectual Property Rights

TT: Telegraphic Transfer

U

UBI: United Bank of India

UCB: Urban Cooperative Bank

UCN: Uniform Code Number

UCPDC: Uniform Customs and Practice for Documentary Credits

UDRS: Umpire Decision Review System

ULIP: Unit Linked Insurance Plan

UNCTAD: United Nations Conference on Trade and Development

USD: US Dollars

UTI: Unit Trust of India

V

VaR: Value at Risk

VAT: Value Added Tax

VCFs: Venture Capital Funds

VCP: Village Credit Plan

VDIS: Voluntary Disclosure of Income Scheme

VRS: Voluntary Retirement scheme

VUB: Vseobecna Uverova Banks

W

WAN: Wide Area Network

WCDL: Working Capital Demand Loan

WCR: Working Capital Requirement

WGMS: Working Group on Money Supply

WHO: World Health Organisation

WMA: Ways and Means Advances

WOS: Wholly Owned Subsidiary

WPI: Wholesale Price Index

WSS: Weekly Statistical Supplement

WWW: World Wide Web

Y

YTM: Yield to Maturity

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