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INFO: Full form for uc is Undesirable Customer in Banking category
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A fixed deposit (FD) is a financial instrument provided by banks or NBFCs which provides investors a higher rate of interest than a regular savings account, until the given maturity date. It may or may not require the creation of a separate account. It is known as a term deposit or time deposit in Canada, Australia, New Zealand, India and The United States, and as a bond in the United Kingdom and for a fixed deposit is that the money cannot be withdrawn from the FD as compared to a recurring deposit or a demand deposit before maturity. Some banks may offer additional services to FD holders such as loans against FD certificates at competitive interest rates. It's important to note that banks may offer lesser interest rates under uncertain economic conditions. The interest rate varies between 4 and 7.50 percent. The tenure of an FD can vary from 7, 15 or 45 days to 1.5 years and can be as high as 10 years. These investments are safer than Post Office Schemes as they are covered by the Deposit Insurance and Credit Guarantee Corporation (DICGC). However, DICGC guarantees amount up to ₹ 500000(about $6850) per depositor per bank. They also offer income tax and wealth tax benefits.

INFO: Full form for FD is Flexi Deposit in Banking category
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INFO: Full form for CIR is Cox - Ingersoll - Ross Interest Rate Model in Banking category
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INFO: Full form for DDR is Direct Debit Request in Banking category
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INFO: Full form for LBA is Louisiana Bankers Association in Banking category
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The Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA, Pub.L. 102–242), passed during the savings and loan crisis in the United States, strengthened the power of the Federal Deposit Insurance Corporation.

It allowed the FDIC to borrow directly from the Treasury department and mandated that the FDIC resolve failed banks using the least costly method available. It also ordered the FDIC to assess insurance premiums according to risk and created new capital requirements.

An individual development account (IDA) is an asset building tool designed to enable low-income families to save towards a targeted amount usually used for building assets in the form of home ownership, post-secondary education and small business ownership. In principle IDAs work as matched savings accounts that supplement the savings of low-income households with matching funds drawn from a variety of private and public sources. h

While anti-poverty policy makers have traditionally focused on issues of income and consumption, an expanded vision of poverty alleviation has emerged in recent years—one that encourages savings, investment, and asset accumulation in conjunction with, not instead of, traditional anti-poverty programs. Assets play a vital role in poverty alleviation by providing not only economic security but also a psychological orientation that encourages low income families to save and plan for the future. In his book, Assets and the Poor: A New American Welfare Policy (1991), Michael Sherraden proposed establishing individual savings accounts for the poor calling for the government and the private sector to match individual contributions to IDAs as a means of encouraging savings and breaking the cycle of poverty. Sherraden argued that asset and saving accumulation requires institutional structures and incentives and that asset based development policies can have psychological, social and economic impacts. Since then IDAs have been adopted by United States federal legislation via the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 and in more than 40 states of the country. Evidence of IDA programs also exists outside of the continental United States especially in Hawaii, Sub-Saharan Africa., the UK, and also all around Europe.

INFO: Full form for BSA is Bilateral Swap Arrangements in Banking category
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The Bank Secrecy Act of 1970 (BSA), also known as the Currency and Foreign Transactions Reporting Act, is a U.S. law requiring financial institutions in the United States to assist U.S. government agencies in detecting and preventing money laundering. Specifically, the act requires financial institutions to keep records of cash purchases of negotiable instruments, file reports if the daily aggregate exceeds $10,000, and report suspicious activity that may signify money laundering, tax evasion, or other criminal activities.

The BSA is sometimes referred to as an anti-money laundering law (AML) or jointly as BSA/AML.

Balance or balancing may refer to:

INFO: Full form for AF is All Funds in Banking category
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Air conditioning, often abbreviated as A/C or AC, is the process of removing heat and controlling the humidity of air in an enclosed space to achieve a more comfortable interior environment by use of powered "air conditioners" or a variety of other methods, including passive cooling and ventilative cooling. Air conditioning is a member of a family of systems and techniques that provide heating, ventilation, and air conditioning (HVAC).

Air conditioners, which typically use vapor-compression refrigeration, range in size from small units used within vehicles or single rooms to massive units that can cool large buildings. Air source heat pumps, which can be used for heating as well as cooling, are becoming increasingly common in cooler climates.

According to the IEA, as of 2018, 1.6 billion air conditioning units were installed, which accounted for an estimated 20% of energy usage in buildings globally with the number expected to grow to 5.6 billion by 2050. The United Nations called for the technology to be made more sustainable to mitigate climate change using techniques including passive cooling, evaporative cooling, selective shading, windcatchers and better thermal insulation. CFC and HCFC refrigerants such as R-12 and R-22, respectively, used within air conditioners have caused damage to the ozone layer, and HFC refrigerants such as R-410a and R-404a, which were designed to replace CFCs and HCFCs, are instead exacerbating climate change. Both issues happen due to venting of refrigerant to the atmosphere, such as during repairs. HFO refrigerants, used in some if not most new equipment, solve both issues with an ozone damage potential (ODP) of zero and a much lower global warming potential (GWP) in the single or double digits vs. the three or four digits of HFCs.