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Annual Report


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(131 kb)
Date : May 30, 2023
Select Abbreviations
ACU Asian Clearing Union
AD Authorised Dealer
ADF Asset Development Fund
AD Cat-I Authorised Dealer Category-I
ADEPT Automated Data Extraction Project
AEs Advanced Economies
AePS Aadhaar Enabled Payment System
ATFC Advisory Task Force on the Codes
AGR Alternate Grievance Redress
AI Artificial Intelligence
AIDs All-Inclusive Directions
AIDC Agriculture Infrastructure and Development Cess
AIFIs All India Financial Institutions
AML Anti-Money Laundering
AML-CFT Anti-Money Laundering-Combating the Financing of Terrorism
ANBC Adjusted Net Bank Credit
AP Authorised Person
APBS Aadhaar Payment Bridge System
API Application Programming Interface
APRA Australian Prudential Regulation Authority
ARCs Asset Reconstruction Companies
AREAER Annual Report on Exchange Arrangements and Exchange Restrictions
ARMS Audit and Risk Management Sub-Committee
ASAG Advanced Supervisory Analytics Group
ASEAN Association of Southeast Asian Nations
ATBs Auction Treasury Bills
ATM Automated Teller Machine
AUM Assets Under Management
BBPOUs Bharat Bill Payment Operating Units
BBPS Bharat Bill Payment System
BC Banking Capital
BCs Business Correspondents
BCBS Basel Committee on Banking Supervision
BC-ICT Business Correspondents -Information and Communication Technology
BCM Business Continuity Management
BCP Business Continuity Plan
BD Banking Department
BE Budget Estimates
BFS Board for Financial Supervision
BFSI Banking, Financial Services and Insurance
BI Bank of Indonesia
BIS Bank for International Settlements
BNPL Buy Now Pay Later
BoE Bank of England
BoJ Bank of Japan
BoP Balance of Payments
BPM Business Process Management
bps Basis Points
BPSS Board for Regulation and Supervision of Payment and Settlement Systems
BQR Bharat Quick Response
BRBNMPL Bharatiya Reserve Bank Note Mudran Private Limited
BRICS Brazil, Russia, India, China and South Africa
BSBDA Basic Savings Bank Deposit Account
B-SC Building Sub-Committee
BSE Bombay Stock Exchange
BSR Basic Statistical Return
CA Concurrent Audit
CAB College of Agricultural Banking
CAD Current Account Deficit
CAFRAL Centre for Advanced Financial Research and Learning
CAGR Compound Annual Growth Rate
CaMS Case Management System
CBDC Central Bank Digital Currency
CBDT Central Board of Direct Taxes
CBIC Central Board of Indirect Taxes and Customs
CBP Capacity Building Programme
CBSE Central Board of Secondary Education
CBSL Central Bank of Sri Lanka
CC Cash Credit
CCB Committee of the Central Board
CCBs Central Cooperative Banks
CCIL Clearing Corporation of India Limited
CCIR Comprehensive Credit Information Repository
CCO Chief Compliance Officer
CCP Central Counterparty
CCS Consumer Confidence Survey
CDES Currency Distribution and Exchange Scheme
CDs Certificates of Deposit
CDBMS Centralised Database Management System
CEO Chief Executive Officer
CEOBE Credit Equivalent of Off-Balance Sheet Exposure
CEPD Consumer Education and Protection Department
CERT-IN Computer Emergency Response Team - India
CERSAI Central Registry of Securitisation Asset Reconstruction and Security Interest of India
CET-1 Common Equity Tier-1
CF Contingency Fund
CFLs Centres for Financial Literacy
CFR Central Fraud Registry
CGA Controller General of Accounts
CGFS Committee on the Global Financial System
CGRA Currency and Gold Revaluation Account
CIBIL Credit Information Bureau (India) Limited
CiC Currency in Circulation
CICERO Centre for International Climate Research
CII Critical Information Infrastructure
CIIE Centre for Innovation Incubation and Entrepreneurship
CIMS Centralised Information Management System
CISBI Centralised Information System for Banking Infrastructure
CISCE Council for the Indian School Certificate Examinations
CISO Chief Information Security Officer
CKYCR Central KYC Records Registry
CLS Continuous Linked Settlement
CMBs Cash Management Bills
CMIE Centre for Monitoring Indian Economy
CMS Complaint Management System
CODs Central Office Departments
CoF Card-on-File
CoFT Card-on-File Tokenisation
CoPI Consumer Protection Index
COR Certificate of Registration
CoS College of Supervisors
CP Consumer Pyramid
CPFIR Central Payments Fraud Information Registry
CPHS Consumer Pyramid Expenditure Survey
CPI Consumer Price Index
CPI-AL CPI for Agricultural Labourers
CPI-IW CPI for Industrial Workers
CPI-RL CPI for Rural Labourers
CPMI-IOSCO Committee on Payments and Market Infrastructures-International Organisation of Securities Commissions
CPs Commercial Papers
CPS Centralised Payment System
CPSEs Central Public Sector Enterprises
CPWD Central Public Works Department
CRA Contingent Reserve Arrangement
CRE-RH Commercial Real Estate - Residential Housing
CRILC Central Repository of Information on Large Credits
CRO Chief Risk Officer
CRPC Centralised Receipt and Processing Centre
CRAR Capital to Risk-Weighted Assets Ratio
CRR Cash Reserve Ratio
CSAA Control Self-Assessment Audit
CSBD Corporate Strategy and Budget Department
CSF Consolidated Sinking Fund
CSI Current Situation Index
CSII Colour Shift Intaglio Ink
CSS Centrally Sponsored Scheme
CTS Cheque Truncation System
CU Capacity Utilisation
CUB Closed User Group
CwP Currency with the Public
DBIE Database on Indian Economy
DBT Direct Benefit Transfer
DBU Digital Banking Unit
DCCBs District Central Cooperative Banks
DDs Demand Drafts
DEA Depositors’ Education and Awareness
DEAF Depositor Education Awareness Fund
DEIO Department of External Investments and Operations
DEPR Department of Economic and Policy Research
DFI Development Financial Institution
DGBA Department of Government and Bank Accounts
DGFT Directorate General of Foreign Trade
DICGC Deposit Insurance and Credit Guarantee Corporation
DIF Deposit Insurance Fund
DIS Deposit Insurance System
DISCOM Distribution Companies
DIT Department of Information Technology
DLP Digital Lending Partner
DoC Department of Communication
DoR Department of Regulation
DoS Department of Supervision
DPPF Digital Payments Protection Fund
DPI Digital Payments Index
DPSS Department of Payment and Settlement Systems
DR Disaster Recovery
DSIM Department of Statistics and Information Management
e₹ Digital Rupee
EAP Employee Assistance Programme
e-BAAT Electronic Banking Awareness and Training
EBITDA Earnings Before Interest, Taxes, Depreciation and Amortisation
EBLR External Benchmark-based Lending Rate
EBR Element-Based Repository
ECB External Commercial Borrowings
EC/EDI Electronic Commerce/Electronic Data interchange
ECL Expected Credit Loss
ECLGS Emergency Credit Line Guarantee Scheme
ECS Electronic Clearing Service
EDC Executive Directors’ Committee
EDDPE Expanding and Deepening of Digital Payment Ecosystem
EFD Enforcement Department
EFI External Funded Institutions
EGRC Enterprise Governance Risk and Compliance
EKP Enterprise Knowledge Portal
EL Expected Loss
EMDEs Emerging Market and Developing Economies
EMEs Emerging Market Economies
EoI Expression of Interest
EOL Exchange of Letter
EPFO Employees’ Provident Fund Organisation
ER&D Engineering Research and Design
ERM Enterprise-wide Risk Management
ETCD Exchange Traded Currency Derivatives
ETP Electronic Trading Platform
EU European Union
EWI Early Warning Indicator
EWS Early Warning Signals
FAE First Advance Estimates
FAQs Frequently Asked Questions
FAR Fully Accessible Route
FALLCR Facility to Avail Liquidity for Liquidity Coverage Ratio
FBIL Financial Benchmark India Pvt. Ltd.
FC Financial Conglomerate
FC Finance Commission
FCA Foreign Currency Asset
FCBD Finance and Central Bank Deputies
FCB Foreign Central Bank
FCNR(B) Foreign Currency Non-Resident Account (Bank)
FCS-OIS Foreign Currency Settled-Overnight Indexed Swap
FCVA Foreign Exchange Forward Contracts Valuation Account
FDI Foreign Direct Investment
FE Final Estimate
FED Foreign Exchange Department
FEMA Foreign Exchange Management Act
FER Foreign Exchange Reserves
FI-Index Financial Inclusion Index
FIs Financial Intermediaries
FICNs Fake Indian Currency Notes
FIDD Financial Inclusion and Development Department
FIF Financial Inclusion Fund
FI-Index Financial Inclusion Index
FinTech Financial Technology
FIP Financial Information Provider
FIU Financial Information User
FLA Foreign Liabilities and Assets
FLCs Financial Literacy Centres
FLW Financial Literacy Week
FMCG Fast Moving Consumer Goods
FMCBG Finance Ministers and Central Bank Governors
FMOD Financial Markets Operations Department
FMR Fraud Monitoring Return
FMRD Financial Markets Regulation Department
FMRS Fraud Risk Management System
FOMC Federal Open Market Committee
Forex Foreign Exchange
FPI Foreign Portfolio Investment
FPOs Follow-on Public Offers
FPS Fast Payment Systems
FRBs Floating Rate Bonds
FRM Fraud Risk Mitigation
FRRR Fixed Rate Reverse Repo
FSAP Financial Sector Assessment Programme
FSB Financial Stability Board
FSDC Financial Stability and Development Council
FSDC-SC Financial Stability and Development Council - Sub-Committee
FSR Financial Stability Report
FSU Financial Stability Unit
FSWM Financially Sound and Well Managed
FTP Foreign Trade Policy
FWG Framework Working Group
G-20 Group of Twenty
G-24 Group of Twenty-Four
G-30 Group of Thirty
GBP Green Bond Principles
GCC Gulf Cooperation Council
GCCs General Credit Cards
GCF Gross Capital Formation
GCM Governance and Compliance Manager
GDP Gross Domestic Product
GENCOs Generation Companies
GFCE Government Final Consumption Expenditure
GFCF Gross Fixed Capital Formation
GFD Gross Fiscal Deficit
GFSN Global Financial Safety Net
GFWC Green Finance Working Committee
GIFs Graphics Interchange Formats
GIFT-City Gujarat International Finance Tec-City
GLP Gross Loan Portfolio
GNDI Gross National Disposable Income
GNPA Gross Non-Performing Asset
GoI Government of India
GPFI Global Partnership for Financial Inclusion
GRF Guarantee Redemption Fund
GRIHA Green Rating for Integrated Habitat Assessment
GSDP Gross State Domestic Product
GST Goods and Services Taxes
GSTR GST Returns
GSTN Goods and Services Tax Network
G-secs Government Securities
GVA Gross Value Added
GVCs Global Value Chains
GW Gigawatt
HFCs Housing Finance Companies
HFIs High Frequency Indicators
HQLA High Quality Liquid Asset
HRMD Human Resource Management Department
HRM-SC Human Resource Management Sub-Committee
HS Harmonised System
HTM Held to Maturity
IADI International Association of Deposit Insurers
IBA Indian Banks' Association
IBU IFSC Banking Units
ICCW Interoperable Card-less Cash Withdrawal
ICEGATE Indian Customs Electronic Gateway
ICMA International Capital Markets Association
ICT Information and Communication Technology
ID International Department
IDMD Internal Debt Management Department
IEAI Inflation Expectations Anchoring Index
IFA International Financial Architecture
IFA WG International Financial Architecture Working Group
IFC International Finance Corporation
IFR Investment Fluctuation Reserves
IFRS International Financial Reporting Standards
IFSCA International Financial Services Centres Authority
IFSC Indian Financial System Code
IFTAS Indian Financial Technologies and Allied Services
IGBC Indian Green Building Council
IGIDR Indira Gandhi Institute of Development Research
IIBM Indian Institute of Bank Management
IIFC India Infrastructure Finance Company
IIBX India International Bullion Exchange
IIP Index of Industrial Production
IMD India Meteorological Department
IMF International Monetary Fund
IMFC International Monetary and Financial Committee
IMPS Immediate Payment Service
INB Internet Banking
Ind-AS Indian Accounting Standards
InFiNet Indian Financial Network
INR Indian Rupee
IO Internal Ombudsman
IoRS Inter-Operable Regulatory Sandbox
IOS Industrial Outlook Survey
IoT Internet of Things
IPL Indian Premier League
IPO Initial Public Offering
IRA Investment Revaluation Accounts
IRACP Income Recognition, Asset Classification and Provisioning
IRA-FS Investment Revaluation Account-Foreign Securities
IRA-RS Investment Revaluation Account-Rupee Securities
IRD Interest Rate Derivatives
IRDAI Insurance Regulatory and Development Authority of India
IRIS Integrated Risk Monitoring and Incident Reporting System
IRRS Integrated Rajbhasha Reporting System
IRS Interest Rate Swap
iSOC Integrated Security Operation Centre
ISPI Index of Supply Chain Pressures for India
IT Information Technology
ITBS Information Technology, Telecom and Business Services
IT-SC Information Technology Sub-Committee
ITBs Intermediate Treasury Bills
IVRS Inter-active Voice Response System
IWG Internal Working Group
KLEMS Capital(K), Labour(L), Energy(E), Material(M) and Services(S)
KCC Kisan Credit Card
KMP Key Managerial Personnel
KRIs Key Risk Indicators
kWp Kilowatts Peak
KYC Know Your Customer
LABs Local Area Banks
LAF Liquidity Adjustment Facility
LBMA London Bullion Market Association
LCR Liquidity Coverage Ratio
LEF Large Exposure Framework
LEI Legal Entity Identifier
LEs Legal Entities
LFPR Labour Force Participation Rate
LIBOR London Inter-Bank Offered Rate
LMI Low and Middle-Income
LPA Long Period Average
LPG Liquefied Petroleum Gas
LPS Late Payment Surcharge
LPSS Lightweight Payment and Settlement System
LRS Liberalised Remittance Scheme
LSF Late Submission Fee
M3 Money Supply
MAF Medical Assistance Fund
MANI Mobile Aided Note Identifier
MAS Monetary Authority of Singapore
MCA Ministry of Corporate Affairs
MCLR Marginal Cost of Funds-based Lending Rate
MCV Mobile Coin Van
MDs Master Directions
ME Mutual Evaluation
MFIs Microfinance Institutions
MGNREGS Mahatma Gandhi National Rural Employment Guarantee Scheme
MIBOR Mumbai Interbank Offered Rate
MIFOR Mumbai Interbank Forward Outright Rate
MMA Maldives Monetary Authority
MMIFOR Modified MIFOR
MIS Management Information System
ML Machine Learning
MM Money Multiplier
MNBCs Miscellaneous Non-Banking Companies
MoF Ministry of Finance
MoSPI Ministry of Statistics and Programme Implementation
MoU Memorandum of Understanding
MPC Monetary Policy Committee
MSF Marginal Standing Facility
MSME Micro, Small and Medium Enterprises
MSPs Minimum Support Prices
MTDS Medium-Term Debt Management Strategy
MTF Medium-Term Framework
MTSS Money Transfer Service Schemes
NABARD National Bank for Agriculture and Rural Development
NACH National Automated Clearing House
NBFC Non-Banking Financial Company
NBFC-BL NBFC Base Layer
NBFC-ML NBFC Middle Layer
NBFC-UL NBFC Upper Layer
NBFC-TL NBFC Top Layer
NBFC-ND Non-Deposit taking NBFCs
NBFI Non-Banking Financial Institutions
NCCDs Non-Centrally Cleared Derivatives
NCERT National Council of Educational Research and Training
NCFE National Centre for Financial Education
NCGTC National Credit Guarantee Trustee Company Ltd.
NCIIPC National Critical Information Infrastructure Protection Centre
NDA Net Domestic Assets
NDCs Nationally Determined Contributions
NDI Non-Debt Instrument
NDTL Net Demand and Time Liabilities
NEER Nominal Effective Exchange Rate
NEFT National Electronic Funds Transfer
NeTC National Electronic Toll Collection
NETS Network for Electronic Transfers
NFA Net Foreign Assets
NFC Non-Food Credit
NFS National Financial Switch
NFSA National Food Security Act
NGFS Network for Greening of the Financial System
NGTA Next Generation Treasury Application
NHB National Housing Bank
NIAP Nationwide Intensive Awareness Programme
NIBM National Institute of Bank Management
NIM Net Interest Margin
NIPL NPCI International Private Limited
NISM National Institute of Securities Markets
NLP Natural Language Processing
NLP National Logistics Policy
NNML Net Non-Monetary Liabilities
NNPA Net Non-Performing Assets
NOC No Objection Certificate
NOF Net Owned Funds
NPA Non-Performing Assets
NPCI National Payments Corporation of India
NPE Non-Performing Exposures
NRA National Risk Assessment
NRB Nepal Rastra Bank
NRC Nomination and Remuneration Committee
NRE Non-Resident External
NRIs Non-Resident Indians
NRO Non-Resident Ordinary
NSAs National Supervisory Authorities
NSE National Stock Exchange
NSFE National Strategy for Financial Education
NSFI National Strategy for Financial Inclusion
NSSF National Small Savings Fund
NSO National Statistical Office
OBC Other Backward Classes
OBICUS Order Books, Inventories and Capacity Utilisation Survey
OD Overdraft
ODR Online Dispute Resolution
OECD Organisation for Economic Co-operation and Development
OFCB Overseas Foreign Currency Borrowing
OI Overseas Investment
OIS Overnight Indexed Swap
OLTAS Online Tax Accounting System
OMO Open Market Operation
OMT Offsite Monitoring Template
OPEC Organisation of Petroleum Exporting Countries
ORBIOs Offices of the Reserve Bank of India Ombudsmen
OTC Over the Counter
PAs Payment Aggregators
PADO Public Administration, Defence and Other Services
PAT Profit After Tax
PBs Payments Banks
PCA Prompt Corrective Action
PCE Personal Consumption Expenditure
PCR Provisioning Coverage Ratio
PDs Primary Dealers
PDS Public Distribution System
PFCE Private Final Consumption Expenditure
PFCVA Provision for Forward Contracts Valuation Account
PFMIs Principles for Financial Market Infrastructure
PFMS Public Financial Management System
PFRDA Pension Fund Regulatory and Development Authority
PIDF Payments Infrastructure Development Fund
PLFS Periodic Labour Force Survey
PLI Production-Linked Incentive
PMGKAY Pradhan Mantri Garib Kalyan Anna Yojana
PMI Purchasing Managers’ Index
PML Prevention of Money Laundering
PMUY Pradhan Mantri Ujjwala Yojana
PNCPS Perpetual Non-Cumulative Preference Shares
PPAC Petroleum Planning and Analysis Cell
POL Petroleum, Oil and Lubricants
POs Payment Orders
PoS Point of Sale
PPIs Prepaid Payment Instruments
PRAKALP Pratyaksh Kar Lekhankan Pranali
Pr. CCA Principal Chief Controller of Accounts
PSBs Public Sector Banks
PSL Priority Sector Lending
PSLCs Priority Sector Lending Certificates
PSOs Payment System Operators
PSS Payment and Settlement Systems
PSUs Public Sector Undertakings
PVBs Private Banks
PWBD Persons with Benchmark Disabilities
QCVM Quick Response code-based Coin Vending Machine
QIP Qualified Institutional Placement
QR Quick Response
RA Recovery Agents
RAD Risk Analysis Division
RAM-OR Risk Assessment Methodology for Operational Risk
RAR Risk Assessment Report
RBA Risk-Based Approach
RBI Reserve Bank of India
RBIA Risk Based Internal Audit
RBIH Reserve Bank Innovation Hub
RB-IOS Reserve Bank-Integrated Ombudsman Scheme
RBR Return-Based Repository
RCA Root Cause Analysis
RCB Rural Cooperative Bank
RCG-Asia Regional Consultative Group- Asia
RDA Rupee Drawing Arrangement
RDBs Rupee-Denominated Bonds
RE Revised Estimates
ReBIT Reserve Bank Information Technology Private Limited
RECO Revenue Expenditure to Capital Outlay
REs Regulated Entities
RF Restructuring Framework
RFCA Revaluation of Forward Contracts Account
RFID Radio Frequency Identification
RFP Request for Proposal
RM Reserve Money
RMAB Royal Monetary Authority of Bhutan
RMC Risk Monitoring Committee
RMD Risk Monitoring Department
RMI Raw Material Inventory
RoA Return on Assets
RoDTEP Remission of Duties and Taxes on Exported Products
RoE Return on Equity
ROs Regional Offices
RPA Robotic Process Automation
RR Risk Register
RRA Regulations Review Authority
RRBs Regional Rural Banks
RS Regulatory Sandbox
RTGS Real Time Gross Settlement
RTI Right to Information
RTL Risk Tolerance Limits
RTP Reserve Tranche Position
RWA Risk Weighted Assets
SAA Swap Amortisation Account
SAs Statutory Auditors
SAAR Seasonally Adjusted Annualised Rate
SAARC South Asian Association for Regional Cooperation
SAED Special Additional Excise Duty
SAP Systems Applications and Products
SARTTAC South Asia Regional Training and Technical Assistance Centre
SAS Statistical Analytics System
SATARC Security Automation, Threat Analysis and Response Centre
SBI State Bank of India
SBR Scale-Based Regulation
SBS Shredding and Briquetting Systems
SC Scheduled Caste
SCBs Scheduled Commercial Banks
SDF Special Drawing Facility/ Standing Deposit Facility
SDG Sustainable Development Goals
SDLs State Development Loans
SDMX Statistical Data and Metadata Exchange
SDRs Special Drawing Rights
SDS Step-Down Subsidiary
SEA Solvent Extractors’ Association of India
SEs Supervised Entities
SEACEN South East Asian Central Banks
SEBI Securities and Exchange Board of India
SEZ Special Economic Zone
SFBs Small Finance Banks
SFDB SAARCFINANCE database
SFMS Structured Financial Messaging System
SFWG Sustainable Finance Working Group
SGrBs Sovereign Green Bonds
SGSs State Government Securities
SGST States’ Goods and Services Tax
SHGs Self-Help Groups
SINE Society for Innovation and Entrepreneurship
SIOS Services and Infrastructure Outlook Survey
SIP Systematic Investment Plan
SLBC State Level Bankers’ Committee
SLCCs State Level Coordination Committees
SLR Statutory Liquidity Ratio
SMA Special Mention Account
SMCC Social Media Command Centre
SoC Statement of Co-operation
SOC Security Operations Centre
SOFR Secured Overnight Financing Rate
SOP Standard Operating Procedure
SPDs Standalone Primary Dealers
SPE Special Purpose Entity
SPECTRA Software Platform for External Commercial Borrowings and Trade Credits Reporting and Approval
SPMCIL Security Printing and Minting Corporation of India Limited
SRO Self-Regulatory Organisation
SSAF Securitisation of Stressed Assets Framework
S-SC Strategy Sub-Committee
SSCI Services Sector Composite Index
SSMs Senior Supervisory Managers
ST Scheduled Tribe
STC Short-term Trade Credit
StCBs State Cooperative Banks
SWIFT Society for Worldwide Interbank Financial Telecommunication
SWM South-West Monsoon
TA Technical Assistance
TAC Technical Advisory Committee
TACS Technical Advisory Committee on Surveys
TAT Turn-Around Time
T-Bills Treasury Bills
TEs Training Establishments
TIN Tax Information Network
TOL/ATNW Ratio Total Outside Liabilities-Adjusted Tangible Net Worth Ratio
TRQ Tariff Rate Quota
TRs Trade Repositories
TReDS Trade Receivables Discounting System
TSA Treasury Single Account
TSCAs Time-Sensitive Critical Activities
UCBs Urban Cooperative Banks
UDAY Ujjwal DISCOM Assurance Yojana
UFCE Unhedged Foreign Currency Exposure
UFR Unified Fraud Reporting
UID Unique Identification
UIDF Urban Infrastructure Development Fund
UK United Kingdom
UNCCI Unorganised Sector Composite Coincident Index
UNGA United Nations General Assembly
UPI Unified Payments Interface
USA United States of America
USD US Dollar
UTs Union Territories
UTI Unique Transaction Identifier
UTLBCs Union Territory Level Bankers’ Committees
VAPT Vulnerability Assessment and Penetration Testing
VAT Value Added Tax
VM Variation Margin
VOICE Voicing Opinion to Inspire, Contribute and Excel
VRR Voluntary Retention Route/Variable Rate Repo
VRRR Variable Rate Reverse Repo
WACR Weighted Average Call Rate
WADTDR Weighted Average Domestic Term Deposit Rate
WALR Weighted Average Lending Rate
WAM Weighted Average Maturity
WAS Weighted Average Spread
WAY Weighted Average Yield
WEO World Economic Outlook
WGDL Working Group on Digital Lending
WLA White Label ATM
WLAO White Label ATM Operators
WMA Ways and Means Advances
WPI Wholesale Price Index
WPR Worker Population Ratio
WTO World Trade Organisation
XBRL eXtensible Business Reporting Language
ZIs Zonal Inspectorates
ZTCs Zonal Training Centres

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