SL NO ABBREVIATION Full name

1 NIM Net interest margin

2 ROA Return on Assets
3 EPS Earnings per share
4 CBS Care banking solution
5 NPL Non-performing loan
6 GCPF Global climate partnership fund
7 CAR Capital adequacy ratio
8 NAV Net asset value
9 NPA Non-performing assets
10 EDF Export development fund
11 SMA Special mentioned account -5%
12 CAD Credit administration department
13 ALCO Asset liability committee
14 CRR Cash reserved ratio-6.5%
15 SLR Statutory liquidity ratio-13%
16 DRS Disaster recovery site
17 MFS Mobile financial service
18 ALRM Asset liability risk management
19 AML Anti money laundering
20 CFT Combating the financing of terrorism
21 CDD Customer due diligence
22 KYC Know your customer (e-employee)
23 NOP Net opinion position
24 LCR Liquidity coverage ratio
25 VAR Value at risk
 26 MCR Minimum capital requirement
27 CSR Corporate social responsibility
28 DOS Department of offsite supervision
29 ROI Return on investment
30 ROE Return on equity
31 IPO Initial public offering
32 RPO Repeat public offering
33 RWA Risk weighted assets
ICAAP Internal capital adequacy assessment
34 process
35 ICPA Internal capital process assessment
SWIFT Society for worldwide interbank financial
36 telecommunication.
37 HFT Held for trading
38 HTM Held to Maturity

NET INCOME AFTER TAX

01. RETURN ON INVESTMENT (ROW) = TOTAL EQUITY CAPITAL

NET INCOME AFTER TAX

02. RETURN ON ASSETS (ROA) = TOTAL ASSETS

NET INOCME AFTER TAX

03. EARNING PER SHARE (EPS) =
NO:OF ORDINARY SHARE

NET INCOME AFTER TAX

04. NET PROFIT MARGIN (NPM) = TOTAL OPERATING REVENUES

Q-01: What can tell us a break down of bank profitability measures?

Ans:
01. Careful use of financial leverage
02. Careful use of operating leverage fortified assets
03. Careful control of operating expenses so that more dollars of sales revenue become
net income
 04. Careful management of the assets portfolio to meet liquidity needs while seeking the
highest returns from any assets acquired.
05. Careful control of the bank’s exposure to risk so that losses don’t overwhelm income
and equity capital
Q-02: What are the types of bank risk?
There are six types of bank risk:
01. Credit risk
02. Liquidity risk
03. Market risk
04. Interest risk
05. Earning risk
06. Solvency risk
Bank credit risk: The probability that some of a bank’s assets, especially its loans, will
decline in value and perhaps become worthless is known as credit risk. The following are
four of the most widely used indicators or bank credit risk:
01. The ratio of nonperforming assets to total loans leases.
02. The ratio of net charge-offs of loans to total loans and leases
03. The ratio of the annual provision for loan losses to total loans and leases or to equity
capital
04. The ratio of allowance for loan losses to total loans and leases or to equity capital
Non-performing assets (NPAs): NPAs are income generating assets, including loans,
which are past due for 90 days or more.
Interest rate risk: The impact of changing interest rates on a banks margin of profit is
usually called interest rate risk.
Q-03: what are the principal sources from which a banks supply of liquidity comes?
Ans:
01. Incoming customer deposits
02. Revenues from the rate of non deposit
03. Customer loan repayment
04. Sales of bank assets
05. Borrowing form of the money market
Q-04: what are the key features of internal control system?
The key features of internal control system are as follows:
01. Management oversight and the control culture
02. Risk recognition and assessment
03. Control activities and segregation of duties
04. Information and communication
05. Monitory activities and correcting deficiencies.