banking and marketing terms for ibps and bank po exams [updated] Banking , Marketing and financial terms for all competitive exams Above the line - Commission paid advertisement Below the line -No commissions paid for advertisement CAR- Capital Adequacy Ratio CAB- Cotton Advisory board DIPP- Department of industrial Policy and Promotion ECB - External Commercial borrowings EOI- Expression of Interest ETF- Exchange Trade Fund EPF- Employees Provident Fund FCCB -Foreign currency convertible Bond FCNR A/C -Foreign Currency Non Residential Account FOSS- Free and open source software FIPB- Foreign Investment Promotion Board GPF - General Pension Fund HPL- Haldia Petro chemical LTD IPR- Intellectual Property right IDRS- Indian depository Receipts . IFJ- International federation of journalists. MEA- Ministry of External Affairs NASSO- National sample survey Organization NCM- National committee on minorities NCD - Non convertible Debentures NPA- Non Performing asset NREAccounts -Non-Resident External Account NIM-Net Interest Margin MPLAD - Member of parliament Legislative Area Development . PMEAC- Prime Ministers Economic Advisory comity PPP -Purchasing Power Parity PPF - Public Provident Fund QIP- Qualified institution Placements REIT - Real Estate Investment Trust SBU -Strategic Business Unit SBU is a Unit of the company having different mission SDR -Special Drawing Rights SHG- Self Help Group Strapline-Slogan of a Company Brand S&P- Standard and Poors credit rating Agency UJwala- A scheme from Central govt. for Women rescued from trafficking. WPI- Wholesale Prize Index