Acronyms
ABL
ADB
ADBP
ADs
AMCs
BCO
BEL
Allied Bank Limited
Asian Development Bank
Agriculture Development Bank of Pakistan
Authorized Dealers
Authorized Money Changers
Banking Companies Ordinance
Bankers Equity Limited
FIBR
FIBs
FMAP
FOB
FWBL
GATS
GDP
Floating Inter-bank Rate
Federal Investment Bonds
Financial Markets Association of Pakistan
Free on Board
First Women Bank Limited
General Agreement of Trading in Services
Gross Domestic Product
BEY
BID
BNFBs
BPRD
Break-even Yield
Banking Inspection Department
Bearer National Fund Bonds
Banking Policy & Regulation Department
GHS
GOP
GRA
GRC
Golden Hand Shake
Government of Pakistan
Growth Rate of Assets
Growth Rate of Capital
Banking Supervision Department
Current Account Deficit
Capital Adequacy, Asset Quality, Earnings &
Profitability, Liquidity and Sensitivity to Market
Risk
CAMELS Capital Adequacy, Asset Quality, Management
Soundness, Earnings & Profitability, Liquidity and
Sensitivity to Market Risk
CBR
Central Board of Revenue
CCI
Controller of Capital Issues
CCI&E Chief Controller of Imports & Exports
GTDRs
HBFC
HBL
Government Treasury Deposit Receipts
House Building Finance Corporation
Habib Bank Limited
HFCs
Housing Finance Companies
CDC
CDNS
CDR
Central Depository Company
Central Directorate of National Savings
Credit Deposit Ratio
IBs
ICI
ICP
Investment Banks
Imperial Chemical Industries
Investment Corporation of Pakistan
CIB
CIRC
CLA
COIs
Credit Information Bureau
Corporate and Industrial Restructuring Corporation
Corporate Law Authority
Certificates of Investment
IDBP
IFC
IMF
ISE
Industrial Development Bank of Pakistan
International Finance Corporation
International Monetary Fund
Islamabad Stock Exchange
CRR
CRWA
DAD
DBCs
Cash Reserve Requirement
Capital to Risk-weighted Assets
Deposit Account Department
Dollar Bearer Certificates
KDCs
KSE
L/C
LIBOR
Khas Deposit Certificates
Karachi Stock Exchange
Letter of Credit
London Inter-bank Offered Rate
DFIs
DHs
DSCs
DSFL
Development Finance Institutions
Discount Houses
Defense Savings Certificates
Dewan Salman Fibre Limited
LMM
LSE
MCA
MCB
Locally Manufactured Machinery
Lahore Stock Exchange
Monopoly Control Authority
Muslim Commercial Bank
DvP
EFF
EFS
Delivery versus Payment
Extended Fund Facility
Export Finance Scheme
MOF
Ministry of Finance
MRTBs Market Related Treasury Bills
MTBs Market Treasury Bills
EPB
ESAF
FBC
FCAs
Export Promotion Bureau
Enhanced Structural Adjustment Facility
Federal Bank for Cooperatives
Foreign Currency Accounts
NBFCs
NBFIs
NBP
NCBs
Non-bank Financial Companies
Non-bank Financial Institutions
National Bank of Pakistan
Nationalized Commercial Banks
FE-12
Foreign Exchange Circular No. 12 dated 2nd June
1999
Foreign Exchange Circular No. 25 dated 20th June
1998
Foreign Exchange Circular No. 45 dated 11th
August 1985
Foreign Exchange Bearer Certificates
NCCC
National Credit Consultative Council
NDFC
National Development Finance Corporation
NDLC
National Development Leasing Corporation
BSD
CAD
CAELS
FE-25
FE-45
FEBCs
HUBCO Hub Power Company
IAS
Investor Account Services
IBL
Indus Bank Limited
NIBAF National Institute of Banking and Finance
Pakistan: Financial Sector Assessment 1990-2000
NIFT
National Institutional Facilitation Technology
ROE
Return on Equity
NIM
NIT
NITL
NPLs
Net Interest Margin
National Investment Trust
National Investment Trust Limited
Non-performing Loans
RSA
RSL
RTGS
SBFC
Rate Sensitive Assets
Rate Sensitive Liabilities
Real Time Gross Settlement System
Small Business Finance Corporation
NSS
OAEM
National Savings Schemes
Other Assets Especially Mentioned
OMOs
PACRA
PBA
Open Market Operations
Pakistan Credit Rating Agency
Pakistan Banks Association
PBC
PCBL
PDs
PIBs
PICIC
SBP
State Bank of Pakistan
SBPBSC State Bank of Pakistan: Banking Services
Corporation
SCD
Special Cash Deposits
SCRAs Special Convertible Rupee Accounts
SECP
Securities and Exchange Commission of
Pakistan
SGLA
Subsidiary General Ledger Account
SIPS
Systematically Important Payment System
SLR
Statutory Liquidity Requirement/Ratio
SME
Small and Medium Enterprises
SNFBs Special National Fund Bonds
PLHC
POL
Pak-Libya Holding Co. (Pvt) Ltd.
Petroleum, O il & Lubricants
SOEs
State-owned Enterprises
SPIAIC Saudi-Pak Industrial & Agricultural
Investment Co. (Pvt) Ltd.
SPLC
Saudi-Pak Leasing Corporation
SSCs
Special Saving Certificates
PPCB
Punjab Provincial Cooperative Bank
SWIFT
PSO
Pakistan State Oil
TCP
Society for Worldwide Inter-bank Financial
Telecommunication
Trading Corporation of Pakistan
PTC
PTCL
PTCs
PTEQ
Pakistan Telecommunication Corporation
Pakistan Telecommunication Company Ltd.
Participation Terms Certificates
Private Travel Exchange Quota
TCs
TFCs
TTs
UBL
Travelers Cheques
Term Finance Certificates
Telephonic Transfers
United Bank Limited
RDFC
RFCDs
RICs
ROA
Regional Develo pment Finance Corporation
Resident Foreign Currency Deposits
Regular Income Certificates
Return on Assets
VCCs
Venture Capital Companies
WAPDA Water and Power Development Authority
WTO
World Trade Organization
Pakistan Banking Council
Prudential Commercial Bank Limited
Primary Dealers
Pakistan Investment Bonds
Pakistan Industrial Credit and Investment
Corporation
PILCORP Pakistan Industrial Leasing Corporation
PKIC
Pakistan Kuwait Inv. Company (Pvt) Ltd.
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