Pateikiame dažniausiai naudojamų santrumpų (akronimų) sąrašą anglų kalba. Šaltinis: EBA, ECB, EIOPA, ESMA.


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.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.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


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)


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&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


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


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.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


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


KPI Key performance indicators


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&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


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&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/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&A Questions and Answers
QA Quantitative assessment
QCCP qualifying central counterparty
QE quantitative easing
QIS Quantitative impact study


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&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)


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)


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


VA Volatility adjustment
VaR Value-at-Risk
VIX Chicago Board Options Exchange’s Volatility Index


WG Working Group


XBRL Extensible Business Reporting Language
XML The acronym used for “Extensible Markup Language”, a computer metalanguage used to simplify the transmission of formatted data


YCD Yield Curve Down (scenario)
YCU Yield Curve Up (scenario)