| abaSa | Advancement of Black Accountants of Southern Africa |
| abCp | Asset-Backed Commercial Paper |
| aCt | Arts & Culture Trust |
| aFr | Available Financial Resources |
| ama | Advanced Measurement Approach |
| aml | Anti-Money-Laundering |
| anC | African National Congress |
| ape | Annualised Premium Equivalent |
| atF | African Task Force |
| atm | Automated Teller Machine |
| aua | Assets Under Administration |
| awCa | African Women Chartered Accountants |
| ba | Banks Act |
| bankSeta | Banking Sector Training Authority |
| baSa | The Banking Association South Africa |
| bau | Business as Usual |
| bbbee | Broad-Based Black Economic Empowerment |
| bbp | Black Business Partner |
| bCm | Business Continuity Management |
| bee | Black Economic Empowerment |
| beSa |
Bond Exchange of SA |
| bo | Black-Owned |
| brmF | Business Risk Management Forum |
| brt | Bus Rapid Transport |
| buSa | Business Unity South Africa |
| bwa | Businesswomen’s Association |
| bwo | Black-Women-Owned |
| Cagr | Compound Average Growth Rate |
| CbC | Commonwealth Business Council |
| CbSS | Compulsory Bonus Share Scheme |
| CCb1 | Capital Conservation Buffer |
| CCb2 | Countercyclical Capital Buffer |
| CCma | Commission for Conciliation, Mediation and Arbitration |
| Cdp | Carbon Disclosure Project |
| Ce | Chief Executive |
| CF | Commodities Finance |
| Cfl | Compact Fluorescent Lamp |
| CFt | Combating the Financing Of Terrorists |
| Cgt | Capital Gains Tax |
| Cgu | Cash-Generating Unit |
| CHoC | Childhood Cancer Foundation South Africa |
| Cmat™ | Customer Management Assessment Tool |
| CnHr | Cost of Non-Hedgeable Risk |
| Coe | Cost of Equity |
| Coid act | Compensation for Occupational Injuries and Diseases Act |
| Cpi | Consumer Price Index |
| Cpt | Corporate Performance Target |
| CSi | Corporate Social Investment |
| Cwg | Cape Winemakers Guild |
| daC | Directors’ Affairs Committee |
| dbSa | Development Bank of Southern Africa |
| deFra | Department for Environment, Food And Rural Affairs (UK) |
| depS | Diluted Earnings per Share |
| diFr | Disability Incident Frequency Rate |
| dmtn | Domestic Medium-Term Note |
| doe | Department of Energy |
| dSti | Deferred Short-Term Incentive |
| dStiS | Deferred Short-Term Incentive Scheme |
| dti | Department of Trade And Industry |
| ead | Exposure at Default |
| ed | Enterprise Development |
| eCd | Early-Childhood Development |
| ee | Employment Equity |
| egC | Enterprise Governance and Compliance |
| el | Expected Loss |
| eme | Exempt Microenterprise |
| emtn | Euro Medium-Term Note |
| ep | Economic Profit |
| epS | Earnings Per Share |
| epwp | Expanded Public Works Programme |
| erm | Enterprisewide Risk Management |
| ermF | Enterprisewide Risk Management Framework |
| eV | Embedded Value |
| exco | Executive Committee |
| FaiS act | Financial Advisory and Intermediary Services Act |
| FiC | Financial Intelligence Centre |
| FSb | Financial Services Board |
| FSC | Financial Sector Charter |
| FSSS | Financial Services Sector Supplement |
| Fte | Fulltime Employee |
| FVtpl | Fair Value Through Profit and Loss |
| gaC | Group Audit Committee |
| gCC | Group Credit Committee |
| gdp | Graduate Development Programme |
| gdp | Gross Domestic Product |
| geF | Group Environmental Forum |
| gFoC | Group Finance and Oversight Committee |
| gHg | Greenhouse Gas(es) |
| gia | Group Internal Audit |
| glC | Global Local Currency |
| gorC | Group Operational Risk Committee |
| gorm | Group Operational Risk Management |
| gormF | Group Operational Risk Management Framework |
| gp | Guaranteed Package |
| grC | Group Remuneration Committee |
| grCmC | Group Risk and Capital Management Committee |
| gri | Global Reporting Initiative |
| gSC | Group Sustainability Committee |
| gtSC | Group Transformation And Sustainability Committee |
| HepS | Headline Earnings Per Share |
| Hr | Human Resources |
| HVCre | High-Volatility Commercial Real Estate |
| iaS | International Accounting Standard(s) |
| iaSb | International Accounting Standards Board |
| iCaap | Internal Capital Adequacy Assessment Process |
| iep | Integrated Energy Plan |
| iFC | International Finance Corporation |
| iFriC | International Financial Reporting Interpretations Committee |
| iFrS | International Financial Reporting Standards |
| ilaap | Internal Liquidity Adequacy Assessment Process |
| ima | Internal Model Approach |
| ipre | Income-Producing Real Estate |
| ir | Industrial Relations |
| irp2 | Integrated Resource Plan 2 |
| it | Information Technology |
| ibar | Johannesburg Interbank Agreed Rate |
| JSe, the | Jse Limited |
| kpi | Key Performance Indicator |
| kri | Key Risk Indicator |
| kZn | Kwazulu-Natal |
| lCa | Life Cycle Analysis |
| lCr | Liquidity Coverage Ratio |
| lFdg | Leading for Deep Green |
| lgd | Loss Given Default |
| lti | Long-Term Incentive |
| ltip | Long-Term Incentive Plan |
| mdp | Management Development Programme |
| mFC | Motor Finance Corporation |
| mmFtp | Matched Maturity Funds Transfer Pricing |
| nbi | National Business Initiative |
| nCa | National Credit Act |
| neeF | Nedbank Employment Equity Forum |
| nepad | New Partnership for Africa’s Development |
| ngo | Non-Government Organisation |
| ngr | Nedbank Group Rating |
| nii | Net Interest Income |
| nim | Net Interest Margin |
| nir | Non-Interest Revenue |
| nmCF | Nelson Mandela Children’s Fund |
| nmF | Nedbank Motor Finance |
| nmm | Nelson Mandela Metro |
| npat | Net Profit After Tax |
| npo | Non-Profit Organisation |
| nSFr | Net Stable Funding Ratio |
| nSS | Nedbank Staff Survey |
| oF | Object Finance |
| oHS | Occupational Health and Safety |
| oHS act | Occupational Health and Safety Act |
| omart | Old Mutual Alternative Risk Transfer Fund |
| omg | Old Mutual Group |
| omSa | Old Mutual (South Africa) |
| orm | Operational Risk Management |
| ormF | Operational Risk Management Framework |
| otC | Over the Counter |
| pF | Project Finance |
| pgn | Professional Guidance Note |
| piigS | Portugal, Italy, Ireland, Greece And Spain |
| poS | Point of Sale |
| pVFp | Present Value of Future Profits |
| pVnbp | Present Value of New-Business Premiums |
| pwd | People with Disabilities |
| qaSa | Quadpara Association of South Africa |
| qSe | Qualifying Small Entity |
| qropS | Qualifying Recognised Overseas Pension Funds |
| rapm | Risk-Adjusted Performance Measurement |
| redd | Reducing Emissions from Deforestation and Forest Degradation |
| reFit | Renewable-Energy Feed-In Tariff |
| rmbS | Residential Mortgage-Backed Securitisation Programme |
| roa | Return on (Total) Assets |
| roe | Return On Equity/Return on Ordinary Shareholders’ Funds |
| rSp | Restricted Share Plan |
| rwa | Risk-Weighted Asset(s) |
| SaCCt | South African Children’s Charity Trust |
| SadC | Southern African Development Community |
| Sae4d | South African Employers 4 Disability |
| Sam | Solvency Assessment And Management |
| SapS | South African Police Service |
| Sar | Share Appreciation Right |
| Sarb | South African Reserve Bank |
| SarS | South African Revenue Service |
| Sbp | Share-Based Payments |
| Sed | Socioeconomic Development |
| SemS | Social and Environmental Management System |
| SenS | Securities Exchange News Service |
| SiFe | Students in Free Enterprise |
| Sifi | Systematically Important Financial Institution |
| Sme | Small and Medium Enterprise(S) |
| Smme | Small, Medium and Microenterprises |
| Spe | Special-Purpose Entity |
| SpV | Special-Purpose Vehicle |
| Srep | Supervisory Review and Evaluation Process |
| Sri | Socially Responsible Index |
| Srp | Securities Regulation Panel |
| SSt | Self-Service Terminal |
| StC | Secondary Tax on Companies |
| Sti | Short-Term Incentive |
| Str | Suspicious-Transaction Reporting |
| Stt | Securities Transfer Tax |
| tb | Tuberculosis |
| tCC | Total Cost to Company |
| tCtS | Teach Children to Save |
| Sa™ | South Africa™ |
| topp | Training Outside of Public Practice |
| tSa | The Standardised Approach |
| tpa | Tonnes Per Annum |
| un | United Nations |
| unep | United Nations Environment Programme |
| unep fi | United Nations Environment Programme Finance Initiative |
| uniSa | University of South Africa |
| Var | Value at Risk |
| Vat | Value-Added Tax |
| VCt | Voluntary Counselling and Testing |
| ViF (business) | Value of In-Force (Business) |
| Vnb | Value of New Business |
| VYpd | Vezokuhle Youth Development Project |
| wwF | World Wide Fund for Nature |
| wwF – Sa | World Wide Fund for Nature – South Africa |
| ytd | Year to Date |
