Abbreviations

AGM	Annual General Meeting
AFS	Available-for-sale
ALCO	Assets and Liabilities Committee
BAC	Board Audit Committee
BCC	Board Credit Committee
BCP	Business Continuity Plan
BHRRC	Board Human Resources & Remuneration Committee
BIRMC	Board Integrated Risk Management Committee
BNC	Board Nomination Committee
BRPTRC	Board Related Party Transactions Review Committee
CAR	Capital Adequacy Ratio
CASL	Institute of Chartered Accountants of Sri Lanka
CBSL	Central Bank of Sri Lanka
CCF	Credit Conversion Factor
CEO	Chief Executive Officer
CFM	Close Family Members
CFO	Chief Financial Officer
COO	Chief Operating Officer
CRO	Chief Risk Officer
CSE	Colombo Stock Exchange
DRP	Disaster Recovery Plan
EGM	Extraordinary General Meeting
ESOP	Employee Share Ownership Plan
EVE	Economic Value of Equity
EAD	Exposure at Default
ECL	Expected Credit Losses
FIS	Fixed Income Securities
FS	Financial Statements
FX	Foreign Exchange
FY	Financial Year
FVTPL	Fair Value Through Profit or Loss
GDP	Gross Domestic Product
GOSL	Government of Sri Lanka
GRI	Global Reporting Initiative
HFT	Held-for-trading
HR	Human Resources
HTM	Held-to-maturity
IMF	International Monetary Fund
IRMD	Integrated Risk Management Department
IRR	Interest Rate Risk
KRI	Key Risk Indicators
KMP	Key Management Personnel
LCB	Licensed Commercial Bank
LCR	Liquidity Coverage Ratio
LSB	Licensed Specialised Bank
LGD	Loss Given Default
LKAS	Sri Lanka Accounting Standards
LTV	Loan to Value Ratio
NFR	Net Flow Rate
NII	Net Interest Income
NIM	Net Interest Margin
NPA	Non-Performing Assets
NPL	Non-Performing Loans
OCI	Other Comprehensive Income
PAT	Profit After Tax
PBT	Profit Before Tax
PD	Probability of Default
ROA	Return on Assets
ROE	Return on Equity
RPT	Related Party Transactions
RWA	Risk Weighted Assets
SEC	Securities and Exchange Commission of Sri Lanka
SLFRS	Sri Lanka Financial Reporting Standards
SME	Small and Medium Enterprise
SLAR	Statutory Liquid Assets Ratio
VaR	Value at Risk
YoY	Year-on-Year