Abbreviations and Acronyms ADBL
Agriculture Development Bank
ANZ
Australia and New Zealand Banking Group
AOAN
Airlines Operators Association of Nepal
ATM
Automated Teller Machine
BAFIA
Banking and Financial Institutions Act
BFI
Banking and Financial Institution
BRR
British Bankers Association
BSI
British Standards Institution
CBFIN
Confederation of Banks and Financial Institutions Nepal
CDS
Central Depository System
CEO
Chief Executive Officer
CGAR
Cumulative Annual Growth Rate
CIT
Citizens Investment Trust
DBA
Development Bankers’ Association
ECM
Error Correction Model
EMI
Equated Monthly Payments
EPF
Employees’ Provident Fund
EPS
Earnings Per Share
EURIBOR
Euro Interbank Offered Rate
FY
Fiscal Year
GDP
Gross Domestic Product
ICT
Information and Communication Technology
IRC
Interest Rate Corridor
LIBOR
London Interbank Offered Rate
M&A
Mergers and Acquisitions
MFI
Micro Finance Institutions
MNO
Mobile Network Operators
MoF
Ministry of Finance
MSME
Micro, Small and Medium Enterprise
NATA
Nepal Association of Travel Agents
NBA
Nepal Bankers’ Association
NBL
Nepal Bank Limited
NEPS
Nepal Electronic Payment System
NEPSE
Nepal Stock Exchange
NGO
Non-Governmental Organisation
NMBA
Nepal Microfinance Bankers’ Association
NPA
Non-Performing Assets
NPR
Nepalese Rupees
NRB
Nepal Rastra Bank
NRN
Non-Resident Nepali
