10
Supplementary reports
Abbreviations
| ACA | Associate Chartered Accountant |
| ACMA | Associate Chartered Management Accountant |
| AGM | Annual General Meeting |
| AIB | Associate of Institute of Bankers |
| AICM | Associate of Institute of Credit Management |
| ALCO | Assets and Liability Management Committee |
| AML/TF | Anti-Money Laundering/Terrorist Financing |
| ATM | Automated Teller Machine |
| AWPLR | Average Weighted Prime Lending Rate |
| BA | Bachelor of Arts |
| BAC | Board Audit Committee |
| B B Mgt | Bachelors in Business Management |
| B Com | Bachelor of Commerce |
| BCP | Business Continuity Plan |
| BIM | British Institute of Management |
| BSc | Bachelor of Science |
| BSc Ag Sp | Bachelor of Science Agriculture Special |
| BCSL | Bio Conservation Society |
| CDSB | Climate Disclosure Standards Board |
| CBSL | Central Bank of Sri Lanka |
| CBOs | Community based Organisations |
| CDM | Cash Deposit Machine |
| CEA | Central Environmental Authority |
| CEFT | Common Electronic Fund Transfer Switch |
| CEO | Chief Executive Officer |
| CGMA | Chartered Global Management Accountant |
| CIM | Chartered Institute of Marketing |
| CIMA | Chartered Institute of Management Accountants |
| CIB | Chartered Institute of Bankers |
| CMA | Certified Management Accountant |
| CPM | Certified Professional Managers |
| CSR | Corporate Social Responsibility |
| CSE | Colombo Stock Exchange |
| DGM | Deputy General Manager |
| DMU | Decision making Unit |
| DNV | Det Norske Veritas |
| DRP | Disaster Recovery Plan |
| EPF | Employees’ Provident Fund |
| EPS | Earnings Per Ordinary Share |
| ESG | Environment Social Governance |
| ESMS | Environmental Social Management System |
| ETF | Employees’ Trust Fund |
| EVA | Economic Value Addition |
| FBIM | Fellowship of the British Institute of Management |
| FCA | Fellow Chartered Accountant |
| FCIM | Fellow of Chartered Institute of Marketing (UK) |
| FCMA | Fellow Chartered Management Accountant |
| GDP | Gross Domestic Product |
| GHG | Greenhouse Gases |
| GL | General Ledger |
| GRI | Global Reporting Initiative |
| GWP | Gross Written Premium |
| HR | Human Resources |
| HND | Higher National Diploma |
| IBSL | Institute of Bankers of Sri Lanka |
| ICASL/CASL | Institute of Chartered Accountants of Sri Lanka |
| ICT | Information and Communications Technology |
| IFFSA | Islamic Finance Forum of South Asia |
| IIA | Institute of Internal Auditors |
| INST TT | Institute of Travel and Tourism |
| IPFM | Institute of Professional Financial Managers |
| IRMC | Integrated Risk Management Committee |
| IRMOC | Integrated Risk Management Operating Committee |
| IT | Information Technology |
| ITN | Independent Television Network |
| IUCN | International Union for Conservation of Nature |
| KMP | Key Management Personnel |
| KPI | Key Performance Indicators |
| KRI | Key Risk Indicators |
| KYC | Know Your Customer |
| LAF | Lankan Alliance Finance Limited |
| LFC | Licensed Financed Companies |
| LTV | Loan to Value Ratio |
| MBA | Master of Business Administration |
| MCIM | Member of Chartered Institute of Marketing |
| MIS | Management Information Systems |
| MSc | Master of Science |
| MVA | Market Value Added |
| MVC | Most Valuable Customer |
| NASCO | National Sales Congress |
| NBFI | Non-Bank Financial Institution |
| NBT | Nation Building Tax |
| NCP | Natural Capital Partners of the UK |
| NIBM | National Institute of Business Management |
| NIM | Net Interest Margin |
| NPL | Non-Performing Loan |
| OCA | Olympic Council of Asia |
| PAT | Profit After Tax |
| PBT | Profit Before Tax |
| PGDiP | Post Graduate Diploma |
| PI | People’s Insurance PLC |
| PIM | Postgraduate Institute of Management |
| PLC | People’s Leasing & Finance PLC |
| PLFML | People’s Leasing Fleet Management Limited |
| PLHPL | People’s Leasing Havelock Properties Limited |
| PLPDL | People’s Leasing Property Development Limited |
| PML | People’s Micro-commerce Ltd. |
| R&NC | Remuneration & Nomination Committee |
| ROA | Return on Assets |
| ROCE | Return on Capital Employed |
| ROE | Return on Equity |
| RPT | Related Party Transactions |
| RPTRC | Related Party Transactions Review Committee |
| SEC | Securities and Exchange Commission of Sri Lanka |
| SDGs | Sustainable Development Goals |
| SLBC | Sri Lanka Broadcasting Corporation |
| SLFRS/LKAS | Sri Lanka Accounting Standards |
| SLIBOR | Sri Lanka Inter Bank Offer Rate |
| SLIBFI | Sri Lanka Islamic Banking & Finance Institutions |
| SLICM | Sri Lanka Institute of Credit Management |
| SLIM | Sri Lanka Institute of Marketing |
| SLID | Sri Lanka Institute of Directors |
| SLITAD | Sri Lanka Institute of Training & Development |
| SLIPS | Sri Lanka Interbank Payment |
| SMC | Senior Management Committee |
| SME | Small and Medium Enterprises |
| SUROL | Society for the Upliftment and Rehabilitation of Leprosy affected Persons |
| TOR | Terms of Reference |
| UNGC | United Nations Global Compact Advanced Principles |
| VAPT | Vulnerability Assessment and Penetration Test |
| VAT | Value Added Tax |