A

AC

Air Conditioner

ACA

Associate Chartered Accountant

ADB

Asian Development Bank

AFS

Available for Sale

AGM

Assistant General Manager/Annual General Meeting (as appropriate)

ALCO

Assets and Liability Management Committee

AML

Anti-Money Laundering

AT I

Additional Tier I

ATM

Automated Teller Machine

AWPLR

Average Weighted Prime
Lending Rate

B

BAC

Board Audit Committee

BCP

Business Continuity Plan

BIA

Business Impact Analysis

BIRMC

Board Integrated Risk
Management Committee

BIS

Bank for International Settlements

BIO

Belgian Investment Company for Developing Countries NV/SA

Bn.

Billions

BNO

Bank Notes Operation

BOD

Board of Directors BRPTRC Board Related Party Transaction Review Committee

BRC

Business Registration Certificate

BSS

Baseline Standard

BRPTRC

Board Related Party Transactions Committee

BHRRC

Board Human Resources and Remuneration Committee

BS and NC

Board Selection and Nomination Committee

BCC

Board Credit Committee

BSP
and PI

Board Strategic Plan and Implementation Committee

C

CAR

Capital Adequacy Ratio

CASL

Chartered Accountants of
Sri Lanka (ICASL)

CBSL

Central Bank of Sri Lanka

CCB

Capital Conservation Buffer

CEO

Chief Executive Officer

CET 1

Common Equity Tier I

CFO

Chief Financial Officer

CO2e

Carbon Dioxide Equivalent,
is a standard unit for measuring carbon footprints

CRIB

Credit Information Bureau of
Sri Lanka

CRMU

Credit Risk Management Unit

CRRF

Credit Risk Review Function

CSE

Colombo Stock Exchange

CSR

Corporate Social Responsibility

CA

Chartered Accountants

CAGR

Compound Annual Growth Rate

D

DFI

Development Financial
Institutions

DGM

Deputy General Manager

DMS

Document Management System/ Delinquency Monitoring System

DPS

Dividend per Share

DRP

Disaster Recovery Plan

DGGF

Dutch Good Growth Fund (Stichting foundsbeheer
DGGF lokaal MKB)

DRL

Debt Repayment Levy

DFC

US International Development Finance Corporation

E

EAR

Earnings at Risk

EIR

Effective Interest Rate

EPF

Employees’ Provident Fund

EPS

Earnings per Share

ERM

Enterprise Risk Management

ESC

Economic Service Charges

ESOP

Employee Share Option Plan

ETF

Employees’ Trust Fund

EUR

Euro

EVA

Economic Value Addition

EWS

Early Warning Signals

F

FSVAT

Financial Services Value Added Tax

FMO

Financierings – Maatschappij Voor Ontwikkelingslanden N.V.

G

GDP

Gross Domestic Product

GHG

Green House Gas

GL

General Ledger

GRI

Global Reporting Initiative

GRO

Group Risk Officer

H

HO

Head Office

HQLA

High Quality Liquid Assets

HR

Human Resources

HRD

Human Resources Development

HTM

Held to Maturity

I

IBSL

Institute of Bankers of Sri Lanka

ICAAP

Internal Capital Adequacy Assessment Process

ICASL

Institute of Chartered Accountants of Sri Lanka

ICC

International Chamber of Commerce

ICOFR

Internal Control Over Financial Reporting

ICT

Information and Communications Technology

IFA

Investment Fund Account

IFRS

International Financial
Reporting Standards

IIRC

International Integrated
Reporting Council

IND

Independent Director

IRMC

Integrated Risk Management Committee

IRMU

Integrated Risk Management Unit

ISMS

Information Security
Management System

ISO

International Organization for Standardization

IT

Information Technology

K

kg

Kilograms

km

Kilometre

KMP

Key Management Personnel

KPI

Key Performance Indicator

KRI

Key Risk Indicators

kWh

Kilowatt-hour

KYC

Know Your Customer

L

LCB

Local Commercial Bank

LCR

Liquidity Coverage Ratio

LGD

Loss Given Default

LKAS

Sri Lanka Accounting Standards

LTV

Ratio Loan to Value Ratio

LIBOR

London Inter Bank offered Rate

M

m3

Cubic meter

MIS

Management Information Systems

MoM

Month on Month

Mn.

Millions

MSME

Micro, Small and Medium Scale Entrepreneur

MW

Megawatt

N

N/A

Not Applicable

NBT

Nation Building Tax

NED

Non-Executive Director

NIC

National Identity Card

NID

Non-Independent Director

NII

Net Interest Income

NIM

Net Interest Margin

NPA

Non-Performing Assets

NPL

Non-Performing Loans

O

OBS

Off-Balance Sheet

OCI

Other Comprehensive Income

ORMU

Operational Risk Management Unit

OTC

Over-the-Counter

P

p.a.

Per Annum

P/E

Price Earnings Ratio

PAT

Profit After Tax

PBT

Profit Before Tax

PD

Probability of Default

PoS

Point of Sale

Q

Q&A

Question and Answer

R

RCSA

Risk and Control Self Assessments

RMU

Risk Management Unit

ROA

Return on Assets

ROCE

Return on Capital Employed

ROE

Return on Equity

RPT

Related Party Transaction

RPTRC

Related Party Transactions
Review Committee

RSA

Rate Sensitive Assets

RSL

Rate Sensitive Liabilities

RWA

Risk Weighted Assets

S

SAFA

South Asian Federation of Accountants

SBU

Strategic Business Unit

SDF

Standing Deposit Facility

SEC

Securities and Exchange Commission of Sri Lanka

SLA

Statutory Liquid Assets

SLAR

Statutory Liquid Asset Ratio

SLAS

Sri Lanka Accounting Standards

SLDB

Sri Lanka Development Bonds

SLF

Standing Lending Facility

SLFRS

Sri Lanka Financial Reporting Standards

SLIBOR

Sri Lanka Inter Bank Offered Rate

SLIPS

Sri Lanka Interbank
Payments System

SME

Small and Medium Enterprises

SMS

Short Message Service

SREP

Supervisory Review Process

SWIFT

Society for Worldwide Interbank Financial Telecommunication

SBCP

Specialised Board Subcommittee Capital Planning

T

Tn.

Trillion

ToR

Terms of Reference

TRWCR

Total Risk Weighted Capital Ratio

TT

Telegraphic Transfer

V

VAR

Value at Risk

VAT

Value Added Tax

W

WHT

Withholding Tax

Y

YoY

Year on Year