Pateikiame dažniausiai naudojamų santrumpų (akronimų) sąrašą anglų kalba. Šaltinis: EBA, ECB, EIOPA, ESMA.
A
| AML | Anti Money Laundering |
| AAE | Actuarial Association of Europe |
| ABoR | Administrative Board of Review (ABoR) |
| ABS | asset-backed security |
| ABSPP | asset-backed securities purchase programme |
| ACH | automated clearing house (ACH) |
| AIF | Alternative Investment Funds |
| AIFMD | Alternative Investment Fund Managers Directive |
| AII | Alternative Instrument Identifier |
| AIP | Annual implementation plan |
| ALM | Asset and Liability Management |
| AMC | asset management company |
| AMICE | Association of Mutual Insurers and Insurance Cooperatives in Europe |
| AMI-Pay | Advisory Group on Market Infrastructures for Payments |
| AMI-SeCo | Advisory Group on Market Infrastructures for Securities and Collateral |
| AML | anti-money laundering |
| AML Committee | The Joint Committee of the European Supervisory Authorities‟ Sub Committee on Anti Money Laundering |
| AML/CFT | Anti-money laundering and counter financing of terrorism |
| AMLTF | Anti-Money Laundering Task Force of the EBA, ESMA and EIOPA |
| AMSB | Administrative management or supervisory board |
| AoL | Assets over Liabilities |
| AP | Authorised Participants |
| API | application programming interface |
| APP | asset purchase programme |
| AQR | Asset Quality Review |
| ARC | Accounting Regulatory Committee |
| Article 4 ring-fenced funds | Article 4 ring-fenced funds refers to the occupational retirement provision business of insurance undertakings covered by Directive 2009/138/EC to which certain provisions of the IORP Directive are applied in accordance with Article 4 of the IORP Directive 2003/41/EC. In that case, all assets and liabilities corresponding to the said business shall be ring-fenced, managed and organised separately from the other activities of the life insurance undertaking, without any possibility of transfer |
| ASC | Advisory Scientific Committee |
| ASLP | automated security lending programme (ASLP) |
| ATC | Advisory Technical Committee |
| ATD | Access to documents |
| ATM | automated teller machine (ATM) |
| AUM | Assets Under Management |
| AuRC | Auditing Regulatory Committee |
| AWP | Annual work programme |
B
| b.o.p. | balance of payments (b.o.p.) |
| BCBS | Basel Committee on Banking Supervision |
| BCPs | Basel Core Principles |
| BE | Best Estimate |
| BEPGs | Broad Economic Policy Guidelines (BEPGs) |
| BFI | vocational training institute |
| BGN | Bulgarian Lev |
| BIA | Balancing item approach |
| BIC | Business Identifier Code (BIC) |
| BIPAR | European Federation of Insurance Intermediaries |
| BIS | Bank for International Settlements |
| BOF | Basic Own Funds |
| BoS | Board of Supervisors |
| BPM6 | Balance of Payments and International Investment Position Manual (BPM6) |
| bps | basis points |
| BRM | breach reporting mechanism |
| BRRD | Bank Recovery and Resolution Directive |
| BSG | Banking Stakeholder Group |
C
| c.i.f. | Cost, insurance and freight at the importer’s border |
| CAPE | cyclically adjusted price/earnings (ratio) |
| CAPM | capital asset pricing model |
| Cas | Competent Authorities |
| CBOE | Chicago Board Options Exchange |
| CBPP | covered bond purchase programme |
| CBR | combined buffer requirement (CBR) |
| CBSG | Cross-Border Stability Group |
| CCBM | correspondent central banking model (CCBM) |
| CCBM2 | Collateral Central Bank Management (CCBM2) |
| CCyB | countercyclical capital buffer (CCyB) |
| CCoB | capital conservation buffer (CCoB) |
| CCP | Central Counterparty |
| CCPC | Central Counterparty Clearing |
| CCR | Counterparty credit risk |
| CDD | Customer Due Diligence |
| CDO | Collateralized Debt Obligations |
| CDS | Credit Default Swaps |
| CEBS | Committee of European Banking Supervisors |
| CEMA | Standing Committee for Market and Economic Analysis |
| CEREP | Central Ratings Repository |
| CESR | Committee of European Securities Regulators |
| CET1 | Common Equity Tier 1 |
| CFTC | Commodity Futures Trading Commission |
| CGFS | Committee on the Global Financial System |
| CGO | Compliance and Governance Office |
| CISS | composite indicator of systemic stress |
| CIU | Collective Investment Undertakings |
| CIV | Collective Investment Vehicles |
| CJEU | Court of Justice of the European Union (CJEU) |
| CMG | Crisis Management Group |
| CMU | capital markets union |
| COGESI | Contact Group on Euro Securities Infrastructures |
| COI | Centralised On-Site Inspections Division |
| Commission | European Commission |
| COREP | Common Reporting |
| CP | Consultation Paper |
| CPI | consumer price index (CPI) |
| CPMI | Committee on Payments and Market Infrastructures |
| CPMLTF | EU Committee on the Prevention of Money Laundering and Terrorist Financing |
| CPSIPS | Core Principles for Systemically Important Payment Systems (CPSIPS) |
| CPSS | Committee on Payment and Settlement Systems |
| CRAs | Credit Rating Agencies |
| CRD | Capital Requirements Directive |
| CRE | commercial real estate |
| CRR | Capital Requirements Regulation |
| CRR/CRD IV | Capital Requirements Regulation / Capital Requirements Directive (CRR/CRD IV) |
| CSD | Central Securities Depositories |
| CSDB | Centralised securities database |
| CSPP | corporate sector purchase programme |
| CTF | Counter Terrorist Financing |
| CVA | Credit value adjustment |
D
| DB | Defined benefit |
| DC | Defined Contribution |
| DFR | deposit facility rate |
| DG ECFIN | Directorate General for Economic and Financial Affairs, European Commission |
| DGB | Deutscher Gewerkschaftsbund/German Trade Union Confederation |
| DGS | deposit guarantee scheme |
| DLT | distributed ledger technology |
| DNB | De Nederlandsche Bank |
| DNFBPs | Designated non-financial businesses and professions |
| DP | Discussion Paper |
| D-SIB | domestic systemically important bank |
| DSR | debt service ratio |
| DSTI | debt service-to-income |
| DTA | Deferred Tax Assets |
| DTI | debt-to-income |
| DTL | Deferred Tax Liabilities |
| DVA | Dynamic volatility adjustment |
| DvD | delivery versus delivery (DvD) |
| DvP | delivery versus payment (DvP) |
E
| eAoL | Excess of Assets over Liabilities |
| EBA | European Banking Authority |
| EBITDA | earnings before interest, taxes, depreciation and amortisation |
| EBP | excess bond premium |
| EBPP | Electronic Bill Presentment and Payment (EBPP; electronic invoicing) |
| EC | European Commission |
| ECA | European Court of Auditors |
| ECAF | Eurosystem credit assessment framework |
| ECAI | External credit-assessment institutions |
| ECB | European Central Bank |
| ECL | expected credit loss |
| ECOFIN | Economic and Financial Affairs Council |
| ECON | Economic and Monetary Affairs Committee of the European Parliament |
| ECU | European Currency Unit (ECU) |
| EDD | Enhanced Due Diligence |
| EDF | expected default frequency |
| EDI | electronic data interchange (EDI) |
| EDIS | European Deposit Insurance Scheme |
| EDP | excessive deficit procedure (EDP) |
| EDW | European Data Warehouse |
| EEA | European Economic Area |
| EECS | European Enforcers’ Co-ordination Sessions |
| EER | effective exchange rate (EER) of the euro |
| EER-19 | An effective exchange rate of the euro against the currencies of the nine non-euro area EU Member States and ten of the euro area’s trading partners outside the EU |
| EER-38 | An effective exchange rate of the euro encompassing the EER-19 and 19 additional countries |
| EFC | Economic and Financial Committee |
| EFRAG | European Financial Reporting Advisory Group |
| EFSF | European Financial Stability Facility (EFSF) |
| EFSM | European Financial Stabilisation Mechanism (EFSM) |
| EFTA | European Free Trade Association |
| EIOPA | European Insurance and Occupational Pensions Authority |
| ELMI | electronic money institution (ELMI) |
| EMI | European Monetary Institute (EMI) |
| EMIR | European Market Infrastructure Regulation, Regulation (EU) No 648/2012 |
| EMIR | European Market Infrastructure Regulation |
| EMMS | Euro Money Market Survey |
| EMS | European Monetary System (EMS) |
| EMU | Economic and Monetary Union (EMU) |
| EMV | An acronym describing the set of specifications developed by the consortium EMVCo, which is promoting the global standardisation of electronic financial transactions – in particular the global interoperability of chip cards. “EMV” stands for “Europay, MasterCard and Visa”. |
| EOF | Eligible Own Funds |
| EONIA | euro overnight index average (EONIA) |
| EP | European Parliament |
| ERM II | exchange rate mechanism II (ERM II) |
| ERPB | Euro Retail Payments Board |
| ESA | European Supervisory Authority |
| ESA 2010 | European System of Accounts 2010 (ESA 2010) |
| ESA 95 | European System of Accounts 1995 (ESA 95) |
| ESAs | European Supervisory Authorities |
| ESC | European Securities Committee |
| ESCB | European System of Central Banks |
| ESCG | European Systemic Cyber Group |
| ESFS | European System of Financial Supervision |
| ESG | Environmental, social and governance |
| ESM | European Stability Mechanism (ESM) |
| ESMA | European Securities and Markets Authority |
| ESRB | European Systemic Risk Board |
| ETF | Exchange Traded Fund |
| EU | European Union |
| EUCLID | European centralised infrastructure for supervisory data |
| EUR | Euro |
| EURIBOR | euro interbank offered rate (EURIBOR) |
F
| F&P | Fit and proper |
| f.o.b. | Free on board at the exporter’s border |
| FASB | Financial Accounting Standards Board |
| FATF | Financial Action Task Force |
| FCA | Financial Conduct Authority (UK) |
| FCD / FICOD | Financial Conglomerates Directive |
| FINREP | Financial Reporting |
| FMI | financial market infrastructure |
| FN (in SEFN) | Pension foundations (in Sweden) |
| FOLTF | failing or likely to fail (FOLTF) |
| FOMC | Federal Open Market Committee |
| FoS | Freedom of services/freedom to provide service |
| FRA | forward rate agreement (FRA) |
| FSB | Financial Stability Board |
| FSC | Financial Services Committee |
| FSC | Financial Supervision Commission |
| FSR | Financial Stability Review |
| FST | Financial Stability Table |
| FTS | funds transfer system (FTS) |
| FVA | fair value accounting (FVA) |
| FVC | financial vehicle corporation (FVC) |
| FX | Foreign exchange |
G
| GAAP | Generally Accepted Accounting Principles |
| GDP | gross domestic product (GDP) |
| GHOS | Group of Governors and Heads of Supervision |
| GL | Guidelines |
| G-SIB | Global systemically important banks |
| G-SII | global systemically important institution |
H
| HBS | Holistic balance sheet |
| HICP | Harmonised Index of Consumer Prices (HICP) |
| HLEG | High-Level Expert Group on Sustainable Finance |
| HoM | Head of Mission |
| HQLA | high-quality liquid asset |
| HR | Human resources |
| HTM | Hold to maturity |
I
| i.i.p. | international investment position (i.i.p.) |
| IA | Impact Assessment |
| IAASB | International Auditing and Assurance Standards Board |
| IAIG | internationally active insurance group |
| IAIS | International Association of Insurance Supervisors |
| IAS | Internal Audit Service |
| IAS | International Accounting Standards |
| IASB | International Accounting Standards Board |
| IBAN | International Bank Account Number (IBAN) |
| ICAAP | Internal Capital Adequacy Assessment Process (ICAAP) |
| ICMA | International Capital Market Association |
| ICPFs | insurance corporations and pension funds (ICPFs) |
| ICR | interest coverage ratio |
| ICS | Internal Control Standards |
| ICS | Insurance Capital Standard |
| ICSD | international central securities depository (ICSD) |
| ID | Identity |
| IDD | Insurance Distribution Directive |
| IF | investment fund (IF) |
| IFRS | International Financial Reporting Standards |
| IFRS IC | International Financial Reporting Standards Interpretations Committee |
| IFTS | interbank funds transfer system (IFTS) |
| ILAAP | Internal Liquidity Adequacy Assessment Process (ILAAP) |
| ILO | International Labour Organization |
| ILS | inflation-linked swap |
| IMAS | SSM Information Management System |
| IMF | International Monetary Fund (IMF) |
| IMI | internal model investigation |
| IMM | internal model method |
| IORP Directive | Directive 2003/41/EC of the European Parliament and of the Council of 3 June 2003 on the activities and supervision of institutions for occupational retirement provision |
| IORP II-Directive | Directive 2016/2341 of the European Parliament and of the Council of 14 December 2016 on the activities and supervision of institutions for occupational retirement provision |
| IORP(s) | Institution(s) for occupational retirement provision |
| IOSCO | International Organisation of Securities Commissions |
| IPID | Insurance product information document |
| IPO | Initial Public Offering |
| IPS | Investment Policy Statements |
| IPS | institutional protection scheme |
| IRB | internal ratings-based |
| IRBA | internal ratings-based approach |
| IRR | internal rate of return (IRR) |
| IRRBB | interest rate risk in the banking book |
| IRSG | Insurance and Reinsurance Stakeholder Group |
| IRT | Internal Resolution Team |
| ISG | Impact Study Group |
| ISIN | International Securities Identification Number |
| IT | Information technology |
| IT resources/system/infrastructure | Information Technology resources/system/infrastructure |
| ITS | Implementing Technical Standard |
J
| JC | Joint Committee of the European Supervisory Authorities, which are the European Banking Authority (EBA), European Securities and Markets Authority (ESMA) and European Insurance and Occupational Pensions Authority (EIOPA) |
| JRAD | Joint Risk Assessment and Decision |
| JSS | Joint Supervisory Standards |
| JST | Joint Supervisory Team (JST) |
| JSTC | Joint Supervisory Team coordinator |
K
| KPI | Key performance indicators |
L
| L/C | letter of credit (L/C) |
| LACDT | Loss Absorbing Capacity of Deferred Taxes |
| LACTP | Loss Absorbing Capacity of Technical Provisions |
| LCBG | large and complex banking group |
| LCR | Liquidity Coverage Ratio |
| LGD | loss-given-default |
| LR | Leverage ratio |
| LSI | less significant institution (LSI) |
| LTD | loan-to-deposit |
| LTG | Long-Term Guarantee |
| LTI | Loan-to-income |
| LTRO | longer-term refinancing operation |
| LTSF | loan-to-stable-funding |
| LTV | Loan-to-value |
M
| M&A | Mergers and Acquisitions |
| MA | Matching Adjustment |
| MAD | Market Abuse Directive |
| MB | Management Board |
| MCD | Directive 2014/17/EU on credit agreements for consumers relating to immovable residential property (Mortgage Credit Directive |
| MFI | monetary financial institution (MFI) |
| MiFID | Markets in Financial Instruments Directive |
| MiFIR | Markets in Financial Instruments Regulation |
| MIP | macroeconomic imbalance procedure (MIP) |
| ML | Money Laundering |
| 3rd MLD | Third Money Laundering Directive (2005/60/EC) |
| MMF | money market fund (MMF) |
| MMS | money market statistics |
| MMSR | money market statistical reporting |
| MoU | Memorandum of understanding |
| MPC | Monetary Policy Committee |
| MPOR | margin period of risk |
| MREL | minimum requirement for own funds and eligible liabilities (MREL) |
| MS | Member State of the European Union |
| MSC | merchant service charge (MSC) |
| MSR | Mortgage servicing rights |
| MTF | Multilateral Trading Facility |
| M-t-M | Mark to Market |
| MVTS | Money or value transfer services |
N
| NAV | Net Asset Value |
| NBNI | non-bank, non-insurance |
| NC | Natural Catastrophe (scenario) |
| NCA | national competent authority |
| NCAs | National Competent Authorities |
| NCB | national central bank (NCB) |
| NDA | national designated authority |
| NFC | non-financial corporation (NFC) |
| NFCI | net fee and commission income |
| NGO | Non-governmental organisation |
| NII | net interest income |
| NPLs | non-performing loans (NPLs) |
| NRA | national resolution authority |
| NSAs | National supervisory authorities |
| NSFR | Net stable funding ratio |
| NSFR | net stable funding ratio (NSFR) |
O
| O&D | options and discretions |
| OAM | Officially Appointed National Mechanism |
| OBS | Off-balance sheet |
| OECD | Organisation for Economic Co-operation and Development (OECD) |
| OF | Own Funds |
| OFC | Non-cooperative Jurisdictions |
| OFI | other financial intermediary (OFI) |
| OFI | other financial institution |
| OIS | overnight index swap |
| OJ | Official Journal of the European Union |
| OPSG | Occupational Pensions Stakeholder Group |
| ORC | overall recovery capacity |
| OSI | on-site inspection |
| O-SII | other systemically important institution |
| OTC | Over-The-Counter |
P
| P/E | price/earnings (ratio) |
| P2G | Pillar 2 guidance |
| P2P payment | peer-to-peer payment |
| P2R | Pillar 2 requirement |
| PCE | personal consumption expenditure |
| PD | probability of default |
| PE-ACH | pan-European automated clearing house (PE-ACH) |
| PEPP | Pan-European personal pension product |
| PF (in SEPF) | Pension funds (in Sweden) |
| PG(s) | Project group(s) |
| PII | Professional indemnity insurance |
| PIN | personal identification number (PIN) |
| POG | Product oversight and governance |
| PPI | Payment protection insurance |
| PPI | prudential policy index |
| PPP | purchasing power parity (PPP) |
| PPR | Prudent Person Rule |
| PQD | public quantitative disclosure |
| PSE | Public sector entities |
| PSPP | public sector purchase programme |
| PvP | payment versus payment (PvP) |
Q
| Q&A | Questions and Answers |
| QA | Quantitative assessment |
| QCCP | qualifying central counterparty |
| QE | quantitative easing |
| QIS | Quantitative impact study |
R
| RBA | Risk-Based Approach |
| RBS | Risk Based Supervision |
| repo | repurchase agreement/ repurchase operation |
| RFR | Risk-free interest rates |
| RM | Risk Margin |
| ROA | return on assets |
| ROE | return on equity |
| RP | Risk Premia |
| RP | Review Panel |
| RRE | residential real estate |
| RTGS system | real-time gross settlement (RTGS) system |
| RTS | Regulatory Technical Standard |
| RWA | Risk-weighted assets |
| RWA | risk-weighted asset |
S
| S&P | Standard & Poor’s |
| SBBS | sovereign bond-backed security |
| SC | Steering committees |
| SCConFin | Standing Committee on Consumer Protection and Financial Innovation |
| SCOP | EBA Standing Committee on Oversight and Practices |
| SCR | sectoral capital requirements (SCR) |
| SCR | Solvency Capital Requirement |
| SDD | Simplified Due Diligence |
| SDR | special drawing right (SDR) |
| SEC | Securities and Exchange Commission |
| SEP | Supervisory Examination Programme (SEP) |
| SEPA | Single Euro Payments Area (SEPA) |
| SFT | Secured Financing Transaction |
| SGP | Stability and Growth Pact (SGP) |
| SI | significant institution (SI) |
| SII | systemically important institution |
| SIPP | Statement of Investment Policy Principles |
| SIPS | systemically important payment system (SIPS) |
| SLD | Securities Law Directive |
| SMEs | small and medium-sized enterprises |
| SMSG | Securities Markets Stakeholder Group |
| Solvency II | Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance |
| SPV | special-purpose vehicle |
| SQA | Supervisory Quality Assurance |
| SRB | Self-regulatory body |
| SRB | systemic risk buffer (SRB) |
| SRB | Single Resolution Board |
| SREP | Supervisory Review and Evaluation Process |
| SRF | Single Resolution Fund |
| SRM | Single Resolution Mechanism (SRM) |
| SRMR | Single Resolution Mechanism Regulation |
| SRP | Supervisory review process |
| SSG | SSM Simplification Group |
| SSM | Single Supervisory Mechanism |
| SSMR | Single Supervisory Mechanism Regulation (SSMR) |
| SSS | securities settlement system (SSS) |
| ST | Stress Test |
| STE | Short Term Exercise |
| STP | straight-through processing (STP) |
T
| T2S | TARGET2-Securities (T2S) |
| TD | Transparency Directive |
| TF | Terrorist Financing |
| TFEU | Treaty on the Functioning of the European Union (TFEU) |
| TIPS | TARGET instant payment settlement |
| TLAC | total loss-absorbing capacity |
| TLTRO | targeted longer-term refinancing operation |
| TOD | Takeover Bids Directive |
| ToR | Terms of Reference |
| TP | Technical Provisions |
| TREM | Transaction Reporting Exchange Mechanism |
| TRIM | targeted review of internal models |
| TRN | transaction reference number (TRN) |
| TRS | Total Return Swap |
| TS | Technical Specifications |
| TSCG | Treaty on Stability, Coordination and Governance in the Economic and Monetary Union (TSCG) |
U
| UBO | Ultimate Beneficial Owner |
| UCITS | Undertakings for Collective Investment in Transferable Securities (Directive) |
| UFR | Ultimate forward rate |
| UK | United Kingdom |
| ULCM | Unit labour costs in the manufacturing sector |
| ULCT | Unit labour costs in the total economy |
| US | United States |
V
| VA | Volatility adjustment |
| VaR | Value-at-Risk |
| VIX | Chicago Board Options Exchange’s Volatility Index |
W
| WG | Working Group |
X
| XBRL | Extensible Business Reporting Language |
| XML | The acronym used for “Extensible Markup Language”, a computer metalanguage used to simplify the transmission of formatted data |
Y
| YCD | Yield Curve Down (scenario) |
| YCU | Yield Curve Up (scenario) |
Z