Bank account statement Analysis Keywords
| ATM | Automated Teller Machine |
| GST | Goods and Services Tax |
| IMPS | Immediate Payment Service |
| MDR | Merchant Discount Rate |
| MSF | Merchant Service Fee |
| NEFT | National Electronic Funds Transfer |
| NPCI | National Payments Corporation of India |
| P2M | Person-to-Merchant |
| P2P | Person-to-Person |
| PA | Payment Aggregator |
| PG | Payment Gateway |
| PoS | Point of Sale |
| PPI | Prepaid Payment Instrument |
| PSO | Payment System Operator |
| PSP | Payment Service Provider |
| PSS Act | Payment and Settlement Systems Act, 2007 |
| QR | Quick Response |
| RBI | Reserve Bank of India |
| RTGS | Real Time Gross Settlement |
| TPAP | Third Party Application Provider |
| UPI | Unified Payments Interface |
Finance & Banking Abbreviations
ZIRP - Zero Interest Rate Policy
ZBB - Zero-Based Budgeting
YTM - Yield to Maturity
YTD - Year-To-Date
YTD - Year to Date
XBRL - eXtensible Business Reporting Language
WTO - World Trade Organization
WPI - Wholesale Price Index
WACC - Weighted Average Cost of Capital
VIX - CBOE Volatility Index
VC - Venture Capital
VAT - Value-Added Tax
VAT - Value Added Tax
VAR - Value at Risk
USP - Unique Selling Proposition
USD - United States Dollar
UPI - Unique Product Identifier
UPI - Unified Payments Interface
UHNWI - Ultra High Net Worth Individual
UCITS - Undertakings for Collective Investment in Transferable Securities
UCC - Uniform Commercial Code
UBS - Union Bank of Switzerland
TTM - Trailing Twelve Months
TIPS - Treasury Inflation-Protected Securities
TIN - Taxpayer Identification Number
TDS - Tax Deducted at Source
T-Bill - Treasury Bill
TARP - Troubled Asset Relief Program
T+1, T+2, etc - Settlement time after trade execution (T = trade date)
SWOT - Strengths, Weaknesses, Opportunities, and Threats
SWIFT - Society for Worldwide Interbank Financial Telecommunication
STT - Securities Transaction Tax
SRO - Self-Regulatory Organization
SPAC - Special Purpose Acquisition Company
SOW - Statement of Work
SME - Small and Medium-sized Enterprises
SGB - Sovereign Gold Bond
SEZ - Special Economic Zone
SEPA - Single Euro Payments Area
SEC - Securities and Exchange Commission
SEBI - Securities and Exchange Board of India
SDR - Special Drawing Rights
SBA - Small Business Administration
SAR - Suspicious Activity Report
SaaS - Software as a Service
S&P - Standard & Poor's
RWA - Risk-Weighted Assets
RTGS - Real Time Gross Settlement
RSI - Relative Strength Index
RoR - Rate of Return
ROIC - Return on Invested Capital
ROI - Return on Investment
ROE - Return on Equity
ROC - Registrar of Companies
ROA - Return on Assets
RIA - Registered Investment Advisor
RFP - Request for Proposal
REIT - Real Estate Investment Trust
RBI - Reserve Bank of India
RAROC - Risk-Adjusted Return on Capital
R&D - Research and Development
Q1, Q2, Q3, Q4 - First, Second, Third, and Fourth Quarter, respectively
PSU - Public Sector Undertaking
PSD - Payment Services Directive
PR - Public Relations
PPP - Purchasing Power Parity
PPP - Public-Private Partnership
PPI - Producer Price Index
PPC - Pay Per Click
POS - Point of Sale
PNB - Punjab National Bank
PMS - Portfolio Management Services
PIN - Personal Identification Number
PEG - Price-to-Earnings-to-Growth ratio
PEG - Price/Earnings-to-Growth ratio
PE - Price to Earnings ratio
PBT - Profit Before Tax
PBOC - People's Bank of China
PAN - Permanent Account Number
P/E - Price-to-Earnings Ratio
P&L - Profit and Loss
OTC - Over-The-Counter
OPM - Other People's Money
OIBDA - Operating Income Before Depreciation and Amortization
OEM - Original Equipment Manufacturer
ODI - Overseas Direct Investment
OCR - Optical Character Recognition
OCC - Options Clearing Corporation
OCC - Office of the Comptroller of the Currency
NWC - Net Working Capital
NSE - National Stock Exchange
NSDL - National Securities Depository Limited
NRE - Non-Resident External Account
NPL - Non-Performing Loan
NPA - Non-Performing Asset
NISM - National Institute of Securities Markets
NII - Net Interest Income
NGO - Non-Governmental Organization
NFA - National Futures Association
NEFT - National Electronic Funds Transfer
NDA - Non-Disclosure Agreement
NBFIs - Non-Banking Financial Institutions
NAV - Net Asset Value
NASDAQ - National Association of Securities Dealers Automated Quotations
NABARD - National Bank for Agriculture and Rural Development
MSRB - Municipal Securities Rulemaking Board
MIS - Management Information System
MIFID - Markets in Financial Instruments Directive
MFI - Microfinance Institution
MF - Mutual Fund
MDR - Merchant Discount Rate
MD&A - Management Discussion and Analysis
MBS - Mortgage-Backed Securities
M&A - Mergers and Acquisitions
M&A - Merger and Acquisition
LTV - Loan-to-Value Ratio
LSE - London Stock Exchange
LOC - Letter of Credit
LME - London Metal Exchange
LLP - Limited Liability Partnership
LIBOR - London Interbank Offered Rate
LIBID - London Interbank Bid Rate
LCR - Liquidity Coverage Ratio
LBO - Leveraged Buyout
KYC - Know Your Customer
KPI - Key Performance Indicator
JPY - Japanese Yen
ITIN - Individual Taxpayer Identification Number
ISO - International Organization for Standardization
ISIN - International Securities Identification Number
ISA - Individual Savings Account
IRS - Internal Revenue Service
IRR - Internal Rate of Return
IRA - Individual Retirement Account
IR - Interest Rate
IPO - Initial Public Offering
IMF - International Monetary Fund
IFSC - Indian Financial System Code
IFRS - International Financial Reporting Standards
IDBI - Industrial Development Bank of India
ICO - Initial Coin Offering
ICICI - Industrial Credit and Investment Corporation of India
IBC - Insolvency and Bankruptcy Code
IBAN - International Bank Account Number
IASB - International Accounting Standards Board
IAS - International Accounting Standards
HNWI - High Net Worth Individual
HNW - High Net Worth
HHI - Herfindahl-Hirschman Index
HFT - High-Frequency Trading
GST - Goods and Services Tax
GSE - Government-Sponsored Enterprise
GNI - Gross National Income
GL - General Ledger
GIC - Guaranteed Investment Certificate
GFCI - Global Financial Centres Index
GFC - Global Financial Crisis
GDR - Global Depositary Receipt
GDP - Gross Domestic Product
GATT - General Agreement on Tariffs and Trade
GARP - Global Association of Risk Professionals
GAAP - Generally Accepted Accounting Principles
FY - Fiscal Year
FX - Foreign Exchange
FV - Fair Value
FTE - Full-Time Equivalent
FSA - Financial Services Authority
FPO - Follow-on Public Offering
FOREX - Foreign Exchange
FOMO - Fear of Missing Out
FOMC - Federal Open Market Committee
FINTECH - Financial Technology
FINRA - Financial Industry Regulatory Authority
FINCEN - Financial Crimes Enforcement Network
FIFO - First-In, First-Out
FICO - Fair Isaac Corporation (credit scoring system)
FHLB - Federal Home Loan Bank
FHFA - Federal Housing Finance Agency
FDIC - Federal Deposit Insurance Corporation
FDI - Foreign Direct Investment
FCRA - Fair Credit Reporting Act
FCNR - Foreign Currency Non-Resident Account
FBO - For the Benefit Of
FATF - Financial Action Task Force
FATCA - Foreign Account Tax Compliance Act
FASB - Financial Accounting Standards Board
FAANG - Facebook, Apple, Amazon, Netflix, Google
ETF - Exchange-Traded Fund
ESOP - Employee Stock Ownership Plan
ERISA - Employee Retirement Income Security Act
EPS - Earnings Per Share
EMV - Europay, Mastercard, and Visa (chip-enabled credit cards)
EMI - Equated Monthly Installment
EM - Emerging Markets
EGP - Egyptian Pound
ECB - European Central Bank
EBRD - European Bank for Reconstruction and Development
EBITDA - Earnings Before Interest, Taxes, Depreciation, and Amortization
EBIT - Earnings Before Interest and Taxes
EBA - European Banking Authority
DVP - Delivery Versus Payment
DRIP - Dividend Reinvestment Plan
DRG - Diagnosis-Related Group
DPA - Data Protection Authority
DEB - Debt-to-Equity Ratio
DDA - Demand Deposit Account
DCF - Discounted Cash Flow
DBS - Development Bank of Singapore
DAC - Deferred Acquisition Costs
CVV - Card Verification Value
CVC - Corporate Venture Capital
CTC - Cost to Company
CTA - Call to Action
CSR - Corporate Social Responsibility
CSO - Chief Security Officer
CRR - Cash Reserve Ratio
CRM - Customer Relationship Management
CRISIL - Credit Rating Information Services of India Limited
CRA - Community Reinvestment Act
CPS - Central Processing System
CPI - Consumer Price Index
CPE - Continuing Professional Education
CPD - Continuing Professional Development
CP - Commercial Paper
COO - Chief Operating Officer
COGS - Cost of Goods Sold
CNY - Chinese Yuan Renminbi
CME - Chicago Mercantile Exchange
CMBS - Commercial Mortgage-Backed Securities
CMA - Certified Management Accountant
CMA - Capital Market Authority
CIB - Corporate and Investment Banking
CHIPS - Clearing House Interbank Payments System
CFTC - Commodity Futures Trading Commission
CFPB - Consumer Financial Protection Bureau
CFP - Certified Financial Planner
CFO - Chief Financial Officer
CFI - Cash Flow Index
CFD - Contract for Difference
CEO - Chief Executive Officer
CEA - Consumer Electronics Association
CDS - Credit Default Swap
CDO - Collateralized Debt Obligation
CDO - Chief Data Officer
CCY - Currency
CCJ - County Court Judgment
CCI - Consumer Confidence Index
CCAR - Comprehensive Capital Analysis and Review
CBSE - Central Board of Secondary Education
CAT - Consolidated Audit Trail
CAPM - Capital Asset Pricing Model
CAMELS - Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk
CAGR - Compound Annual Growth Rate
CAD - Canadian Dollar
BPS - Basis Points
BPO - Business Process Outsourcing
BLS - Bureau of Labor Statistics
BIS - Bank for International Settlements
BDC - Business Development Company
BCBS - Basel Committee on Banking Supervision
BaaS - Banking as a Service
B2C - Business-to-Consumer
B2C - Business to Consumer
B2B - Business-to-Business
B2B - Business to Business
AUM - Assets Under Management
ATM - Automated Teller Machine
ARPU - Average Revenue Per User
ARM - Adjustable Rate Mortgage
APY - Annual Percentage Yield
APR - Annual Percentage Rate
API - Application Programming Interface
AP - Accounts Payable
AML/KYC - Anti-Money Laundering/Know Your Customer
AML - Anti-Money Laundering
AI - Artificial Intelligence
ADR - American Depository Receipt
ADR - American Depositary Receipt
ACH - Automated Clearing House
ABS - Asset-Backed Securities
ABM - Automated Banking Machine
AD - Authorized Dealer
ABM - Assistant Branch Manager
AEPS - Aadhaar Enabled Payments Switch
AFS - Annual Financial Statement
AGM - Annual General Meeting
ASSOCHAM - Associated Chambers of Commerce and Industry of India
AIF - Alternative Investment Fund
AIC - Agricultural Insurance Company
ALM - Asset Liability Management
ARC - Asset Reconstruction Companies
ACS - Automated Clearing System
ADB - Asian Development Bank
ADF - Automated Data Flow
AMFL - Association of Mutual Funds in India
APBS - Aadhaar Payment Bridge System
ANBC - Adjusted Net Bank Credit
ACF - Auto Correlation Function
ABEDA - Arab Bank for Economic Development in Africa
AMRMS - Audit and Risk Monitoring Mechanism
ALCO - Asset Liability Committee
AMFI - Association of Mutual Fund in India.
ASBA - Application Supported by Blocked Account.
BSR - Basic Statistical Returns
BOP - Balance of Payments
BOE - Bill of Exchange
BOT - Build, Operate and Transfer
BSE - Bombay Stock Exchange
BRA - Banking Regulations Act
BCSBI - Banking codes and standards board of India.
BIRD - Bankers Institute of Rural Development.
BIS - Bank for International Settlements.
BPLR - Benchmark Prime Lending Rate.
CAD - Capital Account Deficit.
CCIL - Clearing Corporation of India Limited
CASA - Current and Savings Account.
CDRS - Corporate Debt Restructuring
CMIS - Currency Management Information System
CAD - Current Account Deficit
CPFF - Commercial Paper Funding Facility
COB - Corporation Bank
CAR - Capital Adequacy Ratio
CARE - Credit Analysis and Research Limited
CBS - Core Banking Solutions
CCEA - Cabinet Committee on Economic Affairs.
CRILC - Central Repository of Information on Large Credits
CDR - Corporate Debt Restructuring
CRISIL - Credit Rating Information Services Of India
CRMD - Credit Risk Management Department
CA - Chartered Accountant
CBLO - Collateralized Bank Lending Obligations
CECA - Comprehensive Economic Cooperation Agreement.
CNP - Card Not Present
CEPA - Comprehensive Economic Partnership Agreement.
CTI - Country Threat Index
CIBIL - Credit Information Bureau of India Limited.
CRAR - Capital to Risk-weighted Assets Ratio.
CRISIL - Credit Rating and Investment Services India Limited.
CRR - Cash Reserve Ratio.
DTAA - Double Taxation Avoidance Agreement.
DRAT - Debt Recovery Appellate Tribunal
DSCR - Debt Service Coverage Ratio
DPN - Demand Promissory Note
DPG - Deferred Payment Guarantee
DRI - Differential Rate of Interest
EADB - East African Development Bank
ECBs - External Commercial Borrowings
ECS - Electronic Clearing System
EDI - Electronic Data Interchange
ELSS - Equity Linked Saving Scheme
EFTPOS - Electronic Funds Transfer At Point Of Sale
EEFC - Exchange Earners’ Foreign Currency
EPFO - Employees’ Provident Fund Organization
EDF - Export Development Fund
EDP - Entrepreneurship Development Programme
EFT - Electronic Fund Transfer
EIB - European Investment Bank
EMI - Equated Monthly Installments
EXIM - Export Import Bank of India
FCNRA - Foreign Currency Nonresident Account
EPOS - Electronic Point Of Sale
FOB - Free On Board
FIMMDA - Fixed Income Money Markets and Derivatives Association
FDI - Foreign Direct Investment.
FICCI - Federation of Indian Chambers of Commerce and Industry
FEMA - Foreign Exchange Management Act
FERA - Foreign Exchange Regulation Act
FINO - Financial Inclusion Network Operation
FIPB - Foreign Investment Promotion Board
FPI - Foreign Portfolio Investment.
FRBMA - Fiscal Responsibility and Budget Management Act
FSLRC - Financial Sector Legislative Reforms Commission
FSRASC - Financial Sector Regulatory Appointment Search Committee
GAAR - General Anti Avoidance Rule
GIRO - Government Internal Revenue Order
GMS - Gold Monetization Scheme
GST - Goods and Service Tax
GSTN - Goods and Services Network
GNP - Gross National Product
HDFC - Housing Development Finance Corporation
IBA - Indian Bank Associations.
ICA - Indian Council of Agricultural Research
IIB - International Investment Bank
ICRA - Indian Credit Rating Agency.
IRBI - Industrial Reconstruction Bank Of India
IPPB - India Post Payments Bank
IBRD - International Bank for Reconstruction and Development
ISCI - International Standard Industrial Classification
IMPS - Immediate Payment Service
IRDA - Insurance Regulatory and Development Authority of India
INFINET - Indian Financial Network
IROs - Interest Rate Options
KCC - Kisan Credit Card
KMB - Kotak Mahindra Bank
KVB - Karur Vysya Bank
KVP - Kisan Vikas Patra
KVIC - Khadi and Village Industries Corporation
LIBOR - London Inter-Bank Offered Rate.
LAB - Local Area Bank
LAF - Liquidity Adjustment Facility
LAMPS - Large Sized Adivasi Multipurpose Societies
LIC - Life Insurance Company
LTCG - Long Term Capital Gains
MICR . - Magnetic Ink Character Recognition
MSF - Marginal Standing Facility.
MSS - Market Stabilization Scheme
MTN - Medium Term Note
MUDRA - Micro Units Development and Refinance Agency
NABARD - National Bank for Agriculture and Rural Development.
NDTL - Net Demand and Time Liabilities.
NEFT - National Electronic Fund Transfer.
NPA - Non-Performing Assets.
NDA - Net Domestic Asset
NDS - Negotiated Dealing Systems
NECS - Net Demand and Time Liability
NPCI - National Payments Corporation of India.
OCB - Overseas Corporate Bodies
OMO - Open Market Operations
OLTAS - Online Tax Accounting System
OTCEI - Over the Counter Exchange of India
PIN - Personal Identification Number.
PPP - Purchasing Power Parity/ Public Private Partnership.
PFRDA - Pension Fund Regulatory and Development Authority
PIS - Portfolio Investment Scheme
PRSF - Partial Risk Sharing Facility
PACS - Primary Agricultural Credit Societies
PSB - Public Sector Bank.
RTGS - Real Time Gross Settlement.
ROA - Return On Investment
RIDF - Rural Infrastructure Development Fund
SENSEX - Sensitive Index of Stock Exchange.
SIDBI . - Small Industries Development Bank of India
SLR - Statutory Liquidity Ratio.
SLRS - Scheme for Liberation and Rehabilitation of Scavengers
SIPS - Systematically Important Payment System
SPNS - Shared Payment Network System
SWIFT - Society for Worldwide Interbank Financial Telecommunication.
TIN - Tax Information Network/ Telephone Identification Number
UIDAI - Unique Identification Development Authority of India.
UTI - Unit Trust of India
UPIN - Unique Property Identification Numbers
USSD - Unstructured Supplementary Service Data
UPI - United Payment Interface.
WBCIS - Weather Based Crop Insurance Scheme
WCTL - Working Capital Term Loan
