Trishla Vrodhiya

8/3/2019 Trishla Vrodhiya

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1.Reflation it is a fiscal or monetary policy, which is created to expand

the output of the country and to curb the effects of deflation.Reflation

policies can include reducing taxes, changing the money

supply and lowering interest rates.

1.

Refund it is the compensation rewarded to a customer for over-invoicing or for goods returned.

2.Refunding - it is the outstanding bond issue at maturity by utilizing

the money from the selling of new offering.

3.Regional Check Processing Center RCPC it is a local Federal

Reserve facility where by checks which are drawn on the depository

institutions are processed overnight.

4.

Registered Bond an owner of the bond who is registered with thebond's issuer.

5.Registrar an individual who is an official keeper of all the records

which are made in a register.

6.Regression it is a statistical calculation that establishes the

strength of the relationship between one dependent variable and

independent variable.

7.

Regulation Q it is a Federal Reserve Board regulation whichrestricts the interest rate banks can pay on savings deposits.

8.Regulatory Bodies - The bodies which are created as an independent

organization by government to manage the activities of companies in

an industry.

9.Regulatory Capture it is a theory connected with George Stigler, a

Nobel laureate economist. It is the method by which regulatory

agencies in the long run come to be dominated by the very industriesthey were charged with regulating.

10.Rehypothecation it is the act of pledging of securities in the

customer margin accounts as collateral for a brokerage's bank loan.


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11.Reinsurance - The act of transferring of risk by the insurer to other

parties by some form of contract for lowering down the likelihood of

having to pay a large obligation resulting from an insurance claim

12.Reinvoicing Center it is the department of a multinational

company which manages all internal transactions.

13.

Related-Party Transaction - A business deal or arrangementbetween two parties who are attached by a special association earlier

to the deal.

14.Relationship banking it is an attempt to move one step forward in

the sales culture beyond order taking to a more pro-active form of

direct selling.

15.Relationship Manager - A professional whose main motive is to

improve a relationship of the firm with both partner firms andcustomers.

16.Relative Return it is the return that an asset reaps over a period of

time when compared to a benchmark.

17.Release of Lien it is an agreement among a lender and a

borrower under which the lender releases the mortgaged asset or

property, even though the debt duty remains in force.

18.

Remittance it is the concept where monetary payment istransferred by a customer to a business.

19.Renewable Resource it is a substance of economic value that can

be swap or replenished in the similar amount or less time as it takes to

draw the supply down.

20.Renewal it is a clause in a lease that outlines the stipulations for

renewing or extending an new lease contract.

21.

Rent-A-Crowd - A group of people rented to make a business show

busy. These are sometimes engaged on the grand openings of a fresh

business to give the appearance that something is attracting. people

to the store, which then potentially attracts realcustomers, who come to see why the crowd hasgathered.


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22.Rent-An-Employee it is a business strategy whereby a company

will employ fake staff to make a business seem busy.

23.Repackaging - When a private equity firm takes a public firm

private by buying out all of its general stock with leverage loans.24.Repatriation it is the act of converting a foreign currency into the

currency of domestic country.

25.Repayment This is the act of returning back the money which was

borrowed previously from a lender.

26.Repo 105 it is an accounting trick in which a company classifies a

short-term loan as a sale and consequently uses the cash earnings

from said sale to decrease its liabilities.27.Report of Condition and Income it is a quarterly financial

statement which banks, bank holding companies and Edge Act

corporations must file with the FDIC under Section 1817(a)(1) of the

Federal Deposit Insurance Act.

28.Representative Money it is a claim over a commodity, for example

gold certificates or silver certificates.

29.

Repricing Opportunity it is the variation in the rate of interest ofan assets and liabilities which are interest-sensitive.

30.Reproduction Cost it is the cost which is involved in

manufacturing the identically reproducing of an asset or property

with the same materials and specifications as of insured property basis

current prices.

31.Repurcahse Agreement it is the borrowing for a short term for

the dealers of government securities.32.Required Cash - it is the net dollar value which should be reflected

up front by the buyer for closing the mortgage or to refinance an

existing property.

33.Required Yield it is the rate of return which a bond should offer

for becoming the worthwhile investment.


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34.Requisition it is a formal request placed for something, majorly a

written formal request on a printed form.

35.Research Analyst a professional individual whose main work is to

prepare detail reports on equity securities.

36.Research And Development - R&D it is one of the departments

whose main motive is to investigate businesses that elect to discovernew products or procedures, or ways to improve existing products or

procedures.

37.Research Associate - Research associates it carries the research of

economic and finance activity. This analysis depends on the particular

industry.

38.Reservable Deposit it is the deposited made by the bank

depending on the reserve requirements.39.Reserve Bank Of India RBI this is known as central banking of

India and also controls the monetary policy of the rupee.

40.Reserve City Bank it is a bank which can be found in any city it

also consist of a Federal Reserve bank or Federal Reserve branch

office.

41.Reserve Currency-A foreign currency held by central banks andother major financial institutions as a means to pay offinternational debt obligations, or to influence their domestic

exchange rate. A large percentage of commodities, such as gold

and oil, are usually priced in the reserve currency, causing other

countries to hold this currency to pay for these goods. Holding

currency reserves, therefore, minimizes exchange rate risk, as

the purchasing nation will not have to exchange their currency

for the current reserve currency in order to make the purchase.

Reserve Fund the amount which is set aside in a separate account byan individual or business for meeting any uncertain costs that

may arise in the near future.

42.Reserve Maintenance Period it is the time frame in which banks

and other depository institutions have to fulfill a certain level of funds

required.


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43.Reserve Ratio it is the ratio which all bank must have in hand in

cash form.

44.Residual Income it the remaining amount of that an individual

has left with after all personal debts have been paid.

45.Residual Interest it is the interest payment received by investors

for a real estate mortgage investment conduit.46.Resistance (Resistance Level) it is the price at which a stock or

market can trade, but cant exceed, for a certain period of time.

47.Resolution Funding Corporation REFCORP it is a mixed-

ownership of the government corporation which was created by

Congress in year 1989 in collaboration with the Resolution Trust

Corporation (RTC).

48.

Restricted Asset it is an asset which is received or held by a partywhich is restricted legally or contractually be used or spent.

49.Restricted Fund - In non-for-profit accounting fund whose assets

are restricted to chosen purposes as per contributor or grantor

request.

50.Restricted Market it is a market which restricts a free-floating

exchange rate, this type of the market is controlled by the government.

51.

Restricted Stock when the insider holdings which is under somekind of retraction of sales.

52.Restructuring it is the changes made to the debt part, or to the

structure of a company.

53.Restructuring Charge it is a one-time cost which has to be cleared

by a company when it reorganizes.

54.Resume - it is a document which is used by individuals to furnish

their background and skillets.

55.Retail Banking it is a mass banking where individual customers

use local branches of the commercial banks.

56.Retail Broker he is a broker whose most of the customers are

retail investors.


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57.Retail Investor an individual who buy and sell securities for their

personal account, inspite trading for another company or organization.

58.Retail Lender An individual lender who lends money to

individuals rather than institutions.

59.Retail Price Index RPI it is an index that collect the prices of

various retail goods in outlets across the United States for the purposeof finding the rate of inflation.

60.Retail Repurchase Agreement it is a substitute to regular savings

deposits.

61.Retained Earnings The percentage of net earnings not paidout as dividends, but retained by the company to be reinvested inits core business or to pay debt. It is recorded under

shareholders' equity on the balance sheet.

Retention Bonus it is a payment of incentive used to induce the

employees from leaving the organization.

62.Retention Ratio - it is the ratio of earnings credited to retained

earnings. It is

Calculated as:

63.Retirement it is the stage where an individual stops employment

completely.

64.Retirement Contribution it is a monetary contribution to a

retirement plan. It can be prior to tax or after tax, it depends on

whether the retirement plan is qualified or not.

65.Return on Asset it indicates of how much profit a company has

reaped relative to its total assets.66.Return on Capital it reflect how effectively a company uses the

money invested in its operations.

67.Return on Capital Employed - A ratio that reflects efficiency and

profitability of a capital investment of a company.

Calculated as:


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68.Return On Capital Gains it is the return that one receives from

the raise in the value of a capital asset (investment or real estate).

69.That Return On Debt ROD - to evaluate a performance of the

company or calculate net income which relates to the amount of itsissued debt.

70.Return on Equity it is the amount net income which is paid back

to the shareholder as a percentage of shareholders equity.

71.Revaluation it refer to rise of a price of goods or products. The

use of this term is done at the time of revaluation of a currency.

72.Revenue Officer an individual working for the Internal Revenue

Service (IRS) department of collections.73.Revenue Recognition it is a principle of accounting

under generally accepted accounting principles (GAAP) that explains

the situation under which income becomes realized as revenue.

74.Revenue Regulation Fund it is the sovereign wealth fund for the

nation of Algeria.

75.Reversal it is the change in the direction of the price trend.

76.

Reversal Amount It is the movement of the price needed to shifta chart to the right.

77.Reverse Culture Shock it is shock experienced by some people

who return home after a number long time from overseas. It can result

in difficulty in readjusting.

78.Reverse Exchange it is a type exchange of the property where the

replacement property is acquired first, afar that current property is

traded away.79.Revocable Line Of Credit - it is the credit which is offered to an

individual or business by a bank or any other financial institution,

which can be revoked at any time at the discretion of lender.

80.Revolving Credit it is credit line where the customer has to pay

the fees committed and after that he is allowed to use the funds.


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81.Revolving Door-A revolving door typically consists of three or fourdoors that hang on a center shaft and rotate around a vertical axis within acylindrical enclosure. Revolving doors are energy efficient as they preventdrafts, thus preventing increases in the heating or cooling required for thebuilding.[1] At the same time, revolving doors allow large numbers of people topass in and out.

82.

Revolving Loan Facility it is loan allowed by any financialinstitution to the borrower for the purpose of business or personal and

the borrower has the benefit to decide how they want to pay off the

loan amount.

83.Revolving Underwriting Facility RUF this term is derived form of

revolving credit where the group of underwriters decided to offer

loans in the situation when a borrower is unable to sell in the

Eurocurrency market.84.Reykjavik Interbank Offered Rate REIBOR it is the interbank

market rate related to short term loans at Icelandic commercial and

savings banks.

85.Riding the Yield Curve-it is a trading strategy that is based upon the

yield bend and is used for interest rate futures. Investors expect to

attain capital gains by employing this approach.

86.

Right Of First Offer it is a compulsion of the owner of an asset toa rights holder to bargain the sale of an asset with the rights owner

before submission of asset for trade with third parties.

87.Right Of First Refusal it is the right given to a person or company

for purchasing something and prior to its offer made available to

others.

88.Right Of Foreclosure it is the ability of the lender to take control

of the property which was used to safe guard if the borrower defaultson making payments.

89.Right of Offset - The "right of offset" is a grouping of state statutory

and common law that allows a creditor to employ money that it owes

to a debtor to compensate past due or defaulted obligations of the

debtor to itself.


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90.Right Of Redemption it is the legal right given to the mortgagor or

borrower who is the owner of real estate and wish to reclaim his or her

property.

91.Right Of Rescission it is the right given to the consumer for

nullifying the contract within three business days of signing it without

attracting any penalty.92.Rio Hedge - When a trader who is facing financial or legal dilemma

hedges his or her position in an investment with a permit to a tropical

location (such as Rio de Janeiro).

93.Rio Trade - In the securities marketplace, a deal made in a anxious

attempt to recover previous losses.

94.Risk it is the chance that the return yielded by an investment will

be different than expected return.95.Risk Analysis the process of analyzing the dangers caused to

individuals, businesses and government agencies by some natural and

adverse events caused by human.

96.Risk Arbitrage this type of risk exists in

A. Merger and acquisition arbitrage it is the parallel process of

purchasing of stock in a company which is been acquired and the

selling the stock in the acquiring company.

B. Liquidation arbitrage it is the manipulation of difference between

the current value of a company and its estimated liquidation value.

97.Risk Assessment it is the measuring the quantitative or

qualitative value of risk concerning to a situation and a recognized

threat.

98.

Risk Averse it is the explanation provided by an investor who,

made choice between two investments proposition with a similar

expected return) and will go for the one with the lower risk.

99.Risk Capital any investment funds allocated to speculative action.

It refers to funds utilize for high-risk, high-reward investments such as

junior mining.


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110.Risk-Free Asset it is an asset which has a certain future return

attach with it. Majorly all the Treasuries bills are taken to be risk-free

as they are backed by the U.S. government.

111.Risk-Free Rate Of Return it is the rate of return which explains

investing in the avenue with zero risk.

112.

Risk-Return Tradeoff it is the relationship between risk andreturn that holds, in this trade off one should be ready to accept higher

risk for higher return.

113.Risk-Weighted Assets it is minimum amount of capital which is

needed within banks and other institutions, basis of a percentage e of

the assets, and weighted by risk.

114.Road Show it is a presentation by an issuer of securities to

prospective buyers. It is anticipated to create interest in the securities.115.Robber Barons it is a unscrupulous feudal lords who combined

personal fortunes by using unlawful and corrupt business practices,

like illegally charging tolls to passing merchant ships.

116.Robust it is the feature explaining the model's, test's or system's

capacity to perform effectively while its variables are altered.

117. Roll Back - it is when an investor swap an old options position by

a new one having an earlier expiration date.118.Roll Forward - it is when an investor swaps an old options position

by a new one having a later expiration date.

119.Rollercoaster Swap it is a cyclic exchange providing elasticity of

payments at prearranged periods to best meet the counterparty's

cyclical financing needs.

120.Rolling Returns it the yearly average return for a specified

period ending with the listed year.

121.Rolling Settlement The process of settling security trades onsuccessive dates so that trades executed today will have a

settlement date one business day later than trades executed

yesterday. This contrasts with account settlement, in which all

trades are settled once in a set period of days, regardless of when

the trade took place.


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122.Rollout it is a slang term for the introduction of a new product

or service in the market.

123.Rollover it is the funds which are reinvest from a mature

security into a new issue of a similar security.124.Rollover Credit the interest which is paid to a forex trader

holding a position overnight.

125.Rollover Debit - In trading of foreign exchange, any loss caused

due to difference in daily interest rates among the currencies being

traded.

126.Rose-Colored Recession it is the unanticipated hopefulness

market observers from time to time experience during a recession. Itrepresents the unnecessary positivity of the general public subsequent

news or data released during a recession.

127.Round-Trip Trading it is a deed that attempts to blow up

transaction volumes through the constant and frequent purchase and

sale of a picky security, commodity or asset.

128.Royalty it is the payment made for the use of any property,

especially a patent, copyrighted work, or natural resource.129.Rubber Check - it is the name for a "bounced check."

130.Rubinomics it is a mixture of the words "Rubin" and

"economics" that focuses on the impact of an unbiased budget on

long-term interest rate.

131.Rumortrage it is the term frequently used by traders to refer

to enlarged trading caused by a takeover buzz.

132.

Run it consists of a series of bid and offer quotes of varioussecurities or maturities.

133.Rust Belt these are the heavy industries area comprising of

older factories, particularly those that are marginally profitable.

134.Rust Bowl it is a region that was once recognized for its

manufacturing plants but is now deserted as these plants have either


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disappeared out of business or moved to Latin America or Asia, where

labor costs are poorer.

135.S&P Core Earnings- IT is a standard determining core earnings of a

company that are the company profits derived from main business of

the company.

136.

S&P Phenomenon- It is the stock tendency newly added to theS&P index for temporary increase in price.

137.Sacrifice Ratio- It is the cost an economy incurs when the growth

slows down or stops for overcoming inflation.

138.Safe (or Safety) Deposit Box- It is a box located in a bank used for

storing valuables accessed with keys, pin numbers or security pass.

139.Safe Asset-It is an asset that does not have a lawsuit risk.

140.

Safe Deposit Box- It is a strong box that contains valuables of anindividual can be accessed only through passwords.

141.Safekeeping- It is the storageofvaluableassets orother items in

a protectedareabyusing services ofabank orbrokeragefirm.

142.Salary It is a fixed compensation paid for the services on a

regular basis.

143.Sale- It is the goods or services exchanged for an amount of

money or its equivalent.144.Sales Mix- It is the goods and services group a company provides

and offers a wide product mix that carries less risk and also less profits.

145.Sales Mix Variance- It is the difference in the purchase quantity of

the customer for every product or service in comparison to the

quantities expected by business to sell.

146.Sales Tax-It is the tax paid to government for selling a good or

service.

147.Sales to Cash Flow Ratio - It is a ratio to know the possibility of

company being bankrupt and is derived by dividing sales per share

from its cash flow per share.


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148.Salomon Brothers- It was an investment bank of Wall Street

formed in 1910 and was aquired in 1980 by the commodity trading

firm Phibro Corporation.

149.Same-Day Funds- It refers to the Fund that is withdrawn on the

same day it was deposited in a bank.

150.

Same-Day Substitution- It is an offset change in the marginaccount, made on the trading day resulting in no overall change in the

account value.

151.Sample Selection Bias- it is a collection of sample in a manner that

some members of the population are not equally liked to be included

than others.

152.Sampling- It is the selecting technique where a small portion or

segment is selected as sample to take a decision.153.Samurai Bond- IT is a Japanese bond denominated in yen and can

be purchased by the individuals who do not reside in Japan.

154.Samurai Market-It is a slang term for the Japanese stock market in

Japan usually purchased by non-residents of Japan.

155.Sandbag- It is a management stalling tactic used to make

company disinterested in taking them over.

156.

Satisfaction of Mortgage- It is a document release indicating thedebt Is paid by in full.

157.Saver's Tax Credit- It is a tax credit that is non-refundable and

given to individuals or households having less income that can

contribute to qualified retirement savings plans.

158.Saving Bank-It is a bank receiving and investing the individuals

saving and interest is paid on the deposits.

159.

Savings and loan association-It is a financial institution specializing

to accept deposits for savings and giving mortgage or other loans and

is in existence in the United States.

160.Savings And Loan Crisis - S&L-it was the crisis from 1980s to 1990s

when 747 out of the 3,234 savings and loan associations failed in the

United States.


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161.Savings Association Insurance Fund (SAIF)- It is thefederalfund

ensuring savingdeposits andloan associations and is taken careby

the Federal DepositInsurance Corporation.

162.Savings Club- IT is a group made by mutual understanding of the

members for opening savings or other deposit account.

163.

Savings- it refers to the left out income after spending.164.Scalping- It is a strategy of trading attempting to make huge

profits on small changes in prices

165.Scam It is a deliberate practice by an individual or a company for

securing unfair or unlawful gain.

166.Scarcity Principle- IT is a principle of economics which states that

scarcity of supply of a specific good has high demand in the market.

167.

Scarcity-It refers to insufficient amount or supply of resources tomeet the needs.

168.Scenario Analysis- It is an analyzing process of future events so

that various possible outcomes can be evaluated.

169.Schedule I Bank- IT is a financial institution in Canada that is

regulated by the Federal Bank Act and is not fully owned by non-

residents.

170.

Schedule II Bank- It is a financial institution that is a foreign banksubsidiary and has the authority to accept deposits in Canada.

171.Scorched Earth Policy- It is an anti-takeover strategy followed by

firm to liquidate its valuable and desired assets.

172.Scrap Paper-It refers to stock certificate that has no worth now as

a result of company being bankrupt or closed.

173.Scrap Value- It is the value of physical asset that is useless for the

individual who owns it.

174.Search Cost-it is the cost incurred in terms of time, energy and

money by a consumer who is searching a product or service for

purchasing.


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175.Seasonal Adjustment-It is the method of statistics to remove the

seasonal component of a time series used while analyzing trends of

non season.

176.Seasonal Credit-It is the rate of credit that is applied to loans

having short duration provided to small lending institutions by Central

Bank to resolve the purpose of providing liquidity.177.Seasonal Industry- It refers to the Sector of economy having high

and low cycles on the basis of recurring weather phenomenon or

holiday or vacation periods.

178.Second Mortgage-it refers to the second loan that is taken against

property and signifies that first mortgage will be paid of prior to

second mortgage.

179.

Secondary Beneficiary-refers to a person who gets the benefit if awill, trust or insurance because of the death of first person.

180.Secondary Business-It refers to the sector involved in

manufacturing business like construction goods, Dairy Crest etc.

181.Secondary Buyout-A type of leveraged buyout in which afinancial sponsor or private equity firm sells its investment in a

company to another financial sponsor or private equity firm,

thereby ending its involvement with the company in question.Historically speaking, secondary buyouts are often perceived to

be "panic" sales and, thus, are sometimes hard to consummate.

Secondary buyouts are not the same as secondary market

purchases, or "secondaries," which typically involve the

acquisition of entire portfolios of assets.

Secondary holders- it refers to the holders of shares who will be paid

out after paying to the main holders of the shares.

182.

Secondary Liability-It is a obligation legally on one party being

responsible for the other partys action.

183.Secondary Liquidity-It is a liquidity type which is initial public

offerings portion and is done after distribution of shares to both

retailer and institutional player.


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184.Secondary Market-It is a market where securities are purchased

by one investor from other investor and not from issuing company.

185.Secondary Offering-It is the new stock issue for public sale by a

company which has already made its initial public offering.

186.Secondary Reserves-It refers to assets which are invested in safe,

marketable and short-term securities like Treasury bills.187.Secondary Stock-It refers to the stock which has more risk

attached to it than blue chips as it has got small market capitalization.

188.Sector Analysis-It is the analysis or assessment of the conditions

currently prevailing and future prospects of a particular sector of the

economy.

189.Sector Breakdown-It is the arrangement of sectors inside a fund

or portfolio generally it is a percentage of the equity asset class.190.Secular Market-It is a market that has driving forces which were in

place for many years and results in hike or fall in the price of an

investment for a long time period.

191.Secure Electronic Transaction (SET)-it refers to standards set to

secure credit card transactions done by insecure networks like Internet

transactions.

192.

Secured Bond-IT is a bond that is issued against some asset and incase of default the asset is passed to the bondholders.

193.Secured Card-It is a credit card which has got a savings account

attached as collateral for the credit limit of the card.

194.Secured Creditor-It refers to the creditor having security of the

assets of the debtor.

195.Secured Debt- IT is a debt that is issued against some collateral

and in case of default the collateral is seized by the bank.

196.Securities And Exchange Board Of India (SEBI)-It is the body that

regulates the investment market of India and maintains stability and

efficiency in market by creation and enforcement of rules in the

marketplace.


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197.Securities Fraud-It is a illegal act where an individual or company

misleads investors by giving wrong or misleading information.

198.Securities Lending-It refers to lending of a stock, derivative or any

other security to an investor or firm against collaterals by borrower.

199.Securities Loan It is a loan that is collateralized through

marketable securities.200.Securities Subsidiary-It is a company which is under the control of

a large bank or financial holding company.

201.Securities-ITrefers tothe instruments offinancingor investing

purchaseand sold in financialmarkets likebonds.

202.Securitize- It is group of financial assets pooled to create a new

security which is marketed and sold to investors.

203.

Security Analyst-Is an individual studying different industries andcompanies and present research and valuation reports for purchase or

sell of securities.

204.Security Deposit-It is a deposit of money seller gives to a lender as

an intent proof which can be refundable or not as per the terms of the

agreement.

205.Security Interest-it is a claim legally made on collateral that

backed loan for obtaining a loan.206.Seed Capital- It is the initial capital required for starting a business

giving by company founders personal assets or friends and family.

207.Seigniorage- It is the economic cost to produce a currency in a

given economy or country which may result in profit or loss.

208.Self-Amortizing Loan-It is a loan where both principal and interest

amount is periodic paid for paying off the loan.

209.

Self-Employed-It refers to an individual who working for one's self

and gets income from a trade operated by him or her.

210.Self-Help- it is an alert by a trading exchange that a problem has

occurred on one of the exchanges and so it should be temporarily

bypassed for regular flow of orders.


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211.Self-Regulatory Organization (SRO)-it is an organization of non-

government type having powers for creating and enforcing industry

rules and standards.

212.Sell Side-It refers to retail broker or research department selling

securities and making recommendations to the customers of

brokerage firm.213.Sell Signal-It is a signal for investors to sell a particular investment

that attentive analyst and investor observe because of good

understanding of the stock market.

214.Sell To Close-It is a phrase used on the street by brokerages for

the closing of long position in option transactions.

215.Sell To Open- It is a phrase used on the street by brokerages for

the opening of long position in option transactions.216.Seller-It is the party of a sale transaction that makes or offers a

sale to buyer.

217.Seller's Market-It is a market where the number of buyer is more

than sellers and results in high prices.

218.Sell-Off-it is the selling of securities that is repaid like stock.

219.Sell-Out -It is the compromised integrity, morality or principles for

money or success.220.Senate Bill- It is the proposed legislation portion which requires

majority approval by the Senate and the House of Representatives to

become a law.

221.Senior Loan Officer Opinion Surveyon Bank Lending Practices

(SOSLP) A quarterly survey completed by 75 banks consistingof 53 domestic and 23 foreign branches operating in the United

States. The Senior Loan Officer Opinion Survey on Bank LendingPractices (SOSLP) gathers information on how officials feel about

policy changes made, possible future policy changes and changesin supply/demand for certain products. The survey is completed

in time to be discussed at the quarterly Federal Open Market

Committee (FOMC) meetings.


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222. Sensex It is an abbreviation of the Bombay Exchange Sensitive

Index which is the benchmark index of the Bombay Stock Exchange and

has 30 stocks that are largest and most actively-traded.

223.Sensitivity Analysis- it is a technique for determining the impact of

an independent variable on dependent variable If set of assumptions

exist.224.Sensitivity-It is the degree of response to which instrument is

sensitive for an incoming signal.

225.Separate Account- It is an investment account that is privately

managed and brokerage or financial advisor opens it to use pooled

money for purchasing individual assets.

226. Sequential Growth- IT is a company's short-term financial

performance measurement for comparing recent periods results withthe results of immediately preceding period.

227.Sequestered Account-It is a deposit account that is seized by the

order of court or law and cannot be operated without the approval of

court.

228.Series E Bond- it is a bond that is issued at 75% of the face

amount and is reported for income tax purposes of the year it is

redeemed.229.Service Charge- it is a charge additionally levied for a service on

which the basic fee is already paid.

230.Service Sector Service Shares- IT is a fund traded on exchange

investing in consumer and financial services companies.

231.Set-Off Clause-It is a clause by law giving authority to the lender

for seizing the deposits by debtor deposits if he or she defaults on a

loan.

232. Settlement It is the process for settling the transaction through

adjustments on both sides of the party.

233.Settlement Date- It refers to the date till when settlement of an

executed trade must be done.


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234.Settlement Period- It is the time period from the settlement date

and till the transaction date allotted to the parties of a transaction

for satisfying the obligations of the transaction.

235.Settlement Price- It refers to the average price which is the base

of contract trades for calculating at the opening and closing of every

trading day.236.Settlement Risk- It is the risk attached with one party failing in

delivering the contract terms with other party at the settlement time.

237.Seven Day Yield- It is the dividend and interest fund earns and pay

out in the seven-day period after deducting management fees incurred

in those seven days.

238.Shadow Banking System- It refers to the financial intermediaries

that are involved in the facilitation of creating the credit throughoutthe global financial system and the members are under the regulatory

oversight.

239.Shadow Inventory- It is a term referring to real estate

properties that are in foreclosure and not been sold yet or homes of

the owners who delay in putting in the market till prices improve.

240.Shadow Market- It is a private unregulated market where

investors purchase shares of companies not publicly traded currently.241.Shakeout-Shakeout is a term used in business and economics todescribe the consolidation of an industry or sector, in which businesses areeliminated or acquired through competition.[1] It may also refer to a situationin which many investors exit their positions, often at a loss, due to uncertaintyin the market or recent bad news circulating around a particular security orindustry.[2]

242.Shakeup- It is a event and process series that is done by a

company's management team to change or reorganize itself toimprove its current situation.

243.Share Capital-It refers to fund that is rose through shares issue in

return of cash or other considerations.

244.Share Certificate- it is a certificate legally acknowledged as an

ownership proof in a firm.


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245.Share Draft- it is a draft credit unions use as a method

for accessing funds in individual accounts just like personal checking

accounts of banks.

246.Share Repurchase- It is a program of buying back of company its

own shares from the marketplace and reducing the outstanding

shares.247.Share Turnover-it is a measure to calculate the liquidity of the

stock derived by dividing the total shares traded in a period from the

average shares outstanding in that period.

248. Shared National Credit Program- It is a program for providing a

review that is efficient and consistent and classify any large syndicated

loan.

249.

Share-Draft Account-it checks the consumer Account and allowscredit-union members in accessing the balances of their shares by

writing drafts on their accounts.

250.Shareholder Activist- It refers to an individual who uses his or her

rights of being a shareholder of a company that is publicly-traded and

try to bring in a social change.

251.Shareholder Equity Ratio-It is a ratio that determines the amount

of money received by the shareholders if company liquidates.252.Shareholder- It refers to an individual, company, or any institution

owning minimum one share in a company.

253.Shareholders' Equity-It refers to the average price at which the

trading of contract is done and is calculated at the opening and closing

of every trading day.

254.Shares- it refers to one unit of ownership interest in a company or

financial asset.

255.Shark Repellent- It is a Slang term for any one measure taken by

company to get rid of an unwanted or hostile takeover attempt.

256.Shark Watcher- It is a specialized firm in the early detection of

takeovers.


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257.Sharpe Ratio-It is a ratio for measuring risk-adjustment

performance and is derived from the difference between risk-free rate

and the rate of return for a portfolio and then dividing it by the

standard deviation of the portfolio returns.

258.Shell Branch- it is a branch location of U.S. chartered bank that is

located outside the host country that functions as a booking office forthe financial transactions of the bank.

259.Shingle Theory- It is a doctrine introduced by the Securities and

Exchange Commission for protect his or her customer to make

suggestions regarding securities.

260.Shirkah- It is an Islamic finance term describing partnership

among two or more individuals.

261.

Shock Absorber- A shock absorber is a mechanical device designed tosmooth out or damp shock impulse, and dissipate kinetic energy. It is a typeof dashpot.262.Shogun Bond- it is a foreign-currency denomination bond issued

in Japan by foreign entities.

263.Short And Distort- It is an illegal practice due to unethical internet

investors who short-sell a stock and then spread rumors or bad news

to drive down the price of equity.264.Short Covering- It refers to purchase of securities for closing an

opening short position done by purchasing the same type and number

of securities sold short.

265.Short Interest Ratio- IT is a ratio derived by dividing short interest

from the average daily volume for a stock.

266.Short It is the sale of a security, commodity or currency

borrowed with the expectation that the value of the asset will fall.267.Short Rate Model- It is the rate of interest at which an individual

or company can borrow money for a very short time.

268.Short Selling- It is the security selling that is not owned by the

seller or sale not completed by the delivery of a security seller

borrows.


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269.Short Squeeze- It is a situation when there is lack of supply and an

excess demand for a traded stock forces the price upward.

270.Short Term- It refers to an asset or commodity that is hold for a

short time period as is convertible in cash in the next year.

271.Shortage- It is the situation when available supply is less than the

demand for the product or service.272.Shortfall- It is the difference between quantity supplied and

quantity demanded.

273.Short-Term Debt-It is a debt in the portion of current liabilities of

the balance sheet of the company that includes debt incurred by a

company due in one year.

274.Short-Term Gain- It refers to the capital gain from the capital

assets sale or exchange held for one year or less.275. Short-Term Loss- It refers to the capital loss from the capital

assets sale or exchange held for one year or less.

276.Short-Term Paper- It is a financial instrument having maturity of

less than nine months and generally issued at discount and provides an

investment alternative having low-risk.

277.Shotgun Clause- It is a provision of buy-sell related parties used in

business venture giving an investor in the partnership offer right of hisportion to a partner at a particular price.

278.Shrinkage- It is an amount inventory on hand is short than the

recorded amount of inventory.

279.Side Collateral- It refers to a physical asset, financial asset or

personal guarantee that collateralizes a loan partially.

280.Signaling Approach- It is the signal that insider might have

information that is not available in the market.

281.Signature Card-A card that must be signed by an individual whois openingan account at a bank or other similar institution. This

card is kept on file, and it is used by the bank to confirm the

identify of the person when they return, for example

to access theirsafe deposit box.-


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282. Signature Loan-It is a personal loan bank or other financial

company offers that uses only the signature of borrower and promise

for paying as collateral.

283.Silent Bank Run-It is a situation where a bank depositor withdraws

funds without entering the bank physically like through ATM.

284.

Silent Second Mortgage- It is a secondary mortgage that isplaced on an asset and the lender of the original loan is not disclosed

and typically used when down payment is not affordable by the

purchaser.

285.Siliconaires- It is slang for young dotcom entrepreneur in the 20s

and 30s who became rich because of stock option from the Silicon

Valley Internet companies.

286.

Silo Mentality- It is organizations attitude occurring when variousdepartments do not share information with other individuals of the

same company.

287.Silver Parachute- It is a severance form paid to company

employees if it is taken over by another.

288.Simple Moving Average (SMA) It is a simple arithmetic moving

average calculated by aggregating the closing price of the security for a

particular time periods and dividing its total by the number of timeperiods.

289.Sinful Stock- It is a stock of a company involved in activities

considered as unethical or immoral. It is also called as sin stock.

290.Single Payment Options Trading (SPOT)- It is an option type

product allows an investor for setting not only the conditions that is

required to be met for receiving a desired payout and the size of the

payout he or she wishes to receive incase condition is met.

291.Single-Digit Midget-It is a term used for stock of companies which

has seen a high price drop or has a price below $10 per share.

292.Sinker- It is a bond with payments provided by the issuers sinking

fund set aside to repurchase a portion of the bonds issued each year.


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293.Sinking Fund-It is a fund for repaying funds that was borrowed by

a bond issue and periodic payments are made to a trustee retiring part

of the issue by purchasing the bonds in the open market.

294.Sir Allen Stanford- He was a banker who was investigated for

securities fraud of more than 8 billion dollar.

295.

Six Sigma- It is a program of quality-control that emphasizesimprovement of cycle-time and reduces manufacturing defects to an

extent not more than 3.4 per million.

296.Skewness - it refers to an asymmetry formed by the normal

distribution of a set of statistical data which can be negative or

positive.

297.Skilled Labor-It is a work force segment having high skill level

creating significant economic value through the work performed.298.Skip Account- It refers to borrower defaulting on a loan and

skipping on repayment by moving on without providing a correct

forwarding address.

299.Skirt Length Theory- it is a stock market theory which says if skirt

is short it means the markets is going up and if skirt is long it means the

markets is going down.

300.

Slippage- It is the difference in the expected price of the trade andthe price at which it is actually executed.

301.Slow Loan-A loan that a lender considers at risk fornonpayment. Banks and lending institutions will often set aside a

portion of their cash reserves to hedge against potential slow-

loan losses. The Office ofThrift Supervision (OTS) originally

provided a regulatory definition of a slow loan.302. Slow Market- It is a market exhibiting low trading volumes

currently or low volatility levels.

303.SLR- It is the currency market also called as the foreign-exchange

market that is the largest financial market of the world having daily

average of more than 1 trillion dollar.

304.Sluggish Economy- It is the economy state where the growth is

slow, flat or declining.


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305.Slump- It is a term referring to a period when there is poor

performance or inactivity in an economy, market or industry.

306.Slush Fund- It is a fund not having a specific purpose which is

illegal.

307.Small Cap-It refers to stocks having small market capitalization

ranging from 300 million dollar to 2 billion dollar.308.Small Saver Certificate (SSC) It is a savings account of deposit

having no requirement for minimum balance.

309.Smart Money-It refers to cash investment by those who are

considered as experienced, well-informed, in-the-know or all three.

310.Social Audit- It is a review of a companys endeavors formally

done for social responsibility which looks at factors like charitable

giving etc.311.Social Commerce- It is an electronic commerce employing social

media in promoting online transactions.

312.Social Responsibility- It is the principle stating that company is

supposed to contribute in the welfare of society and should not only

be focused on profit maximization.

313.Social Security It refers to social insurance program that

provides protection for socially recognized conditions like poverty,unemployment, disability etc

314.Social Security Number (SSN)-It is a number assigned to

individuals for the purpose of identification.

315.Socially Responsible Investment (SRI) - It is an investment that

makes company socially responsible for the nature of the business the

company conducts like not selling addictive substances.

316.

Socionomics- It is the study of moods and effects of social

behavior and actions on the economy, financial markets and political

preferences.

317.Soft Commissions- It is a commission which helps investment

companies in covering some of the expenses by trading commissions


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330.Special Economic Zone (SEZ) It is the area of country possessing

special economic regulations varying from other areas of the same

country.

331.Special Finance-IT is the auto lending industry sector for

borrowers having limited or problematic credit history.

332.

Special Flood Hazard Area (SFHA)- It is a term used by the FederalEmergency Management Agency in the National Flood Insurance

Program for referring to the land area covered by the floodwaters of

the base or 100-year flood

333.Speculation-It is the financial actions which do not have safety of

the initial investment as the return on the principal sum.

334.Spike-It is the execution of trade order that is the slip of

confirmation and lists all the data pertaining to it like stock symbol,price etc.

335.Spot Delivery Month-It refers to the nearest month in which

commodity trade is delivered currently in commodity market.

336.Spot Exchange Rate-It is foreign-exchange contract rate for

immediate delivery. It is also called as benchmark rates.

337.Spot Loan- It is a mortgage loan that borrower makes for

purchasing a single unit in the multi-unit building.338.Spot Price-It refers to the current price of a specific commodity

that can be purchased or sold at a certain time and place.

339.Spot Rate- It refers to the current rate of interest of a specific

commodity that can be purchased or sold at a certain time and place.

340. Spot Trade- It refers to buy or sale of a foreign currency or

commodity to deliver immediately and settlement is done on the spot.

341.Spread Trade-spread trade is the simultaneous purchase ofone security and sale of a related security, called legs, as a unit.Spreadtrades are usually executed with options or futures contracts as the legs, butother securities are sometimes used. They are executed to yield an overall netposition whose value, called the spread, depends on the difference betweenthe prices of the legs. Common spreads are priced and traded as a uniton futures exchanges rather than as individual legs, thus ensuring


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simultaneous execution and eliminating the execution risk of one legexecuting but the other failing.

342. Stagflation-It occurs when there is no growth in the economy and

prices keep on growing.

343.Stale-Dated Check- It is the check presented for paying bank in six

months or more after the original issue date.344.Standard & Poor's 500 Index (S&P 500)-It refers to an index of

chosen 500 stocks for a particular market size, liquidity and industry

grouping with other factors.

345.Standard Deviation-It is a measure of investment volatility that

applies to the investments annual rate of return.

346.Standard Lot-It is the lot of 100,000 units of the currency quoted

in a forex trade and equals to trade size.347.Standby Letter of Credit (SLOC)- It is a payment guarantee bank

issues on the clients behalf to be used as payment of last resort if

client fails in fulfilling the commitment of contract with the third party.

348.Standing Mortgage- It is a loan of interest-only type having no

amortization of principal in the whole life of the loan and amortizes

fully at the end of the life.

349.

State Bank- It is a bank chartered by a state for providingcommercial banking mainly concerned to influence government's

monetary policy.

350.State Banking Department- It is the department in each State

supervising the state banks operation and affair.

351.Statement- It is the document of a particular period given by bank

having the details of transaction of the bank account.

352.

Statistics-It is the mathematical analysis that involves usage ofquantified representations, models and to summaries a given set of

historical data or observations of real world.

353.Statutory Audit-It is the review of the company's accuracy and

fairness in representation of financial records legally done.


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354.Statutory Reserves-it is a reserve of assets and marketable

investments regulated by law and Insurance companies require holding

if company becomes insolvent.

355.Sterling Overnight Interbank Average Rate (SONIA) - It was

established by the Wholesale Markets Brokers Association in Britain

because before this there is no Sterling overnight funding rate.356.Stimulus Package-It is a package of economic measures brought

together by the government for stimulating a floundering economy.

357.Stipend- It is an amount of money provided to ineligible

candidates periodically to help in offset expenses.

358.Stock Ahead- It is a situation where an order is placed and not

executed as previously sent order involves the same price.

359.

Stock Broker- Is an individual who purchase and sell shares orother securities through Agency Only Firms on the part of investors.

360.Stock Dividend-It is an incentive given in the form of additional

shares and not as cash.

361.Stock ETF- It is a securitytrackingagroup ofequities justlikean

index.

362.Stock exchange It is an exchange providing services to stock

brokers and traders for trading stocks, bonds or other securities.363.Stock- It is a type of security having ownership in a company and

represents claim in corporation's assets and earnings.

364.Stock Market Crash- It is a most rapid and generally unanticipated

drop in stock prices.

365.Stock Market- It is a market where issuing and trading of shares

are done through exchange or over-the-counter markets.

366.

Stock Quote- It is listing of prices of a stock at a specific time

during the trading day.

367.Stock Split- It is an action of company where existing shares of a

company are divided into multiple shares.

368.Stock Swap- It is the exchange between two assets.


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369.Stock Valuation It is the method to calculate companies and

their stocks value and is used to predict future market prices.

370.Stockholm Interbank Offered Rate (STIBOR)- It is interbank offer

rate officially used for short term loans in Sweden.

371.Stop Hunting- It is a strategy attempting to force some market

participants out of their position by affecting the price of an asset to alevel when many individuals chose to set their stop-loss orders.

372.Stop Order- It is a buy or sale order for a security when its price

goes beyond a particular point and ensures a good possibility to

achieve a predefined entry or exit price,

373.Stop Payment- It is the instruction given by a bank account holder

of not honoring payment to his or her financial institution.

374.

Strategic Default- It refers to default which is deliberately made asa result of financial strategy.

375.Strategic Gap Analysis- It is the analysis of the difference between

a desired outcome and an actual outcome.

376.Stress Testing- It is a technique of simulation on asset and liability

portfolios for determining their reactions to various financial

situations.

377.

Stretch Loan- It is a loan which is extended to an individual orsubsidiary company which requires a large part of cash flow for

servicing the loan on a monthly basis.

378.Strike Price- It is a price on which exercise of a specific derivative

contract can be done used for describing stock and index options at

which prices are fixed in the contract.

379.Strong Buy- It is a stock purchase type recommended by analyst

for a specific stock expected to dramatic change.

380.Structural Adjustment- It is a credit facility helping developing

countries to be more economical and has an intention to reduce the

current account debt of a debtor nation.

381.Structural Unemployment-.Unemployment resulting fromchanges in the basic composition of the economy. These changes

simultaneously open new positions for trained workers.


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382.Structured Finance- It is a finance usually involving very complex

financial transactions by many large financial institutions of companies

having unique financing needs.

383.

Structured Investment Vehicle (SIV) - it is a investment assetgroup attempting for profits from credit spreads among short-term

and long-term structured finance products.

384.Student Loan- It is a loan students are offered for paying off

expenses related to education like college fees.

385.Subprime Borrower- Is an individual who is having a below-

average credit history and bears penalty for poor credit with high

interest rates.386.Subprime Credit- It refers to the subprime debt borrowings given

to people having less-than-perfect credit histories.

387.Subprime- It refers to group of borrowers having limited or

tainted credit history.

388.Subprime Loan- It is a loan type offered at a above prime rate to

individuals not qualifying for prime rate loans.

389.

Subprime Market- It is the market where lenders and borrowershaving subprime credit transact.

390.Subprime Meltdown- It is a financial crisis arising in the market of

mortgage because of sharp increase in mortgage foreclosures.

391.Subprime Mortgage-It is a mortgage type generally given to

borrowers having low credit ratings.

392.Subsidiary Bank- It is a foreign bank type present in the host

country but is owned by a foreign parent bank.393.Subsidy- It is a benefit government gives to group or individual for

removing some type of burden in the form of cash payment or tax

reduction.

394.Substitute Check- It is a substitute of check copied electronically

and requires strict guidelines to be met in regard to create it.


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395.Sunk Cost- It is a cost made for the activities which are

irreversible.

396.Super NOW Account- It is an account offering higher interest rate

as compared to NOW account and lower interest as compared to

money market account.

397.

Super Regional Bank-It is a bank of mid-size present in multiplestates which is smaller than the national banks and bigger than

regional banks.

398.Supervisory Capital Assessment Program (SCAP) - It is a Federal

Reserve Systems financial stress test conducted for assessing capital

buffers of U.S. banking organizations.

399.Supply Chain Management (SCM) It is a products supply chain

managing and coordinating for increasing efficiency and profitability.400.Surplus- It refers to excess of assets over liabilities or income over

expenditures.

401.Surrender Charge-A fee levied on a life insurance policyholderupon cancellation of his or her life insurance policy. The fee

is used to cover the costs of keeping the insurance policy on the

insurance provider's books.

402.

Surrender Fee- It is a fee charged from investors because ofwithdrawing fund earlier by an insurance contract.

403.Surrender Period- It is the period for which investor should wait

till he withdraws funds from an annuity without paying penalty.

404.Sushi Bond- It is a Eurobond Japanese company issue and does

not apply Japanese law on the holdings of foreign securities.

405.Suspense Account It is an account for storing short-term funds

or security till the time permanent decision comes into effect.406.Swap Contract- It refers to exchanging some benefits of one

party's financial instrument with the other party's financial instrument.

407.Swap Markets- It is a market where exchange of some benefits of

one party's financial instrument is done with other party's financial

instrument.


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420.System Open Market Account (SOMA) It is an account Federal

Reserve Bank manages having assets acquired through operations in

the open market.

421.Systematic Sampling- A method of selecting sample membersfrom a larger population according to a random starting point and

a fixed, periodic interval. Typically, every "nth" member isselected from the total population for inclusion in the sample

population. Systematic sampling is still thought of as being

random, as long as the periodic interval is determined beforehand

and the starting point is random.

422.Tail Risk- it is a portfolio risk which arises when there is the

possibility that an investment will shift more than three standard

deviations from the mean.

423.Takeover it is an action where an acquiring company makes a bid

for an acquiree.

424.Takedown it is the price at which underwriters obtains securities

to be offered to the public.

425.Take-Home Pay it is the remaining pay after the addition of

bonuses and deduction of the taxes, health care premiums, and

retirement savings plans.

426.Takeout when the bid is made for the entirety of a security that

is down by the seller.

427.Take-Out Commitment it is type of agreement of mortgage

purchase.

428.Take-out lenders - it is the financial institution which offer a long-

term mortgage on property.

429.Takeout Value it if the predicted value of a company if is to be

taken private or acquired.

430.Takeover Artist - An investor or company whose main motive is to

point out the companies which are attractive buy and can be turned

around for making profit.


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431.Takeover Bid it is type of corporate action it involve an offer

made by acquiring company to the target shareholder of the

company to buy the target shares for the purpose of gaining the

control on the business.

432.Take-Profit Order - T/P the order which is used by traders of the

currency specifying the certain rate from the current price point andspecifying where to close the current position in order to make the

profit.

433.Tandem Loan when two loans are being taken out on one asset,

which can be house; the secondary loan is added to a primary loan.

434.Tandem Plan it is a program subsidized by the U.S. government

for the mortgage.

435.

Tangible Asset - Assets which are in physical form.436.Tangible Cost it is cost which is quantifiable and it is related to

any identifiable source or asset.

437.Tangible Net Worth it is measure of the physical worth of a

company, which is exclusive of any value which is derived from

intangible assets such as copyrights, patents and intellectual property.

438.Tangible Personal Property it is a tax term used to describe the

personal property that can be physically relocated.439.Target Cash Balance it is the ideal cash amount that a company

decided to hold as a reserve at certain point in time.

440.Target Firm Any company which is subjected for a merger or

acquisition attempt.

441.Target Market A target market is a group of customers thatthe business has decided to aim its marketing efforts and ultimately

its merchandise.[1]

A well-defined target market is the first element toa marketing strategy. The target market and the marketing mix variablesof product,place(distribution), promotion and price are the four elements ofa marketing mix strategy that determine the success of a product inthemarketplace.442.Target Rate -it is the rate of interest which is charged by

depository institution for an overnight sale of balances at the Federal

Reserve to another depository institution.


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443.Target Return it is the model of pricing for the business which is

based on the investor would wish to make from invested capital in the

company.

444.Target Risk Fund -A fund which targets to expose its investors to a

certain amount of risk.

445.

Target-Benefit Plan this plan is similar to a defined benefitplan as the contributions are made on the basis on projected

retirement benefits.

446.Target-Date Fund it is called as a lifecycle or age-based fund

this is a collective investment scheme, it is one of themes in mutual

fund, which is formulated to provide a simple solution of investment

by an asset mix which becomes less aggressive as the target date

approaches.447.Tariff it refers to tax on imports or exports, or a list or schedule

of prices.

448.Tax it is the money which one owes to the government in a given

year.

449.Tax Accounting it is an accounting method which concentrates

on taxes rather than public financial statements.

450.

Tax Advisor An individual who is a financial expert and speciallytrained in tax law and render his services in case when one require a

suggestion regarding the tax.

451.Tax And Price Index TPI - it is the calculation of the percentage

that an income of the consumer have to adjust, in order to stay on the

same level of purchasing power.

452.Tax Arbitrage it the act of analyzing the differences between the

different ways treating the transactions for tax purposes.

453.Tax Attribute it is the loss or credit on tax which must be

lowered as a result of the exclusion of cancellation debt from the gross

income of the taxpayer.


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465.Tax Fraud it is the fraud which happens when an individual or

business entity intentionally files false information on a tax return for

the purpose of reducing the tax liability.

466.Tax Holiday it is the government incentive program which offers

a tax reduction.

467.

Tax Home A primary place of individual for work or residence.This term at the time of determining tax on travel or any

transportation expenses.

468.Tax Identification Number TIN it is the number of nine-digit

used by the IRS for tracking for the tax purposes.

469.Tax Liability it is the total amount of tax which an entity is

mandatory to pay to an authority due to the occurrence of a taxable

event.470.Tax Lien it is a lien which imposed by law over a property to

safeguarding the payment of taxes.

471.Tax Lien Certificate it is a certificate which is claimed against the

property which has a lien upon it due to unpaid property taxes.

472.Tax Lien Foreclosure - it is the properties that have been

foreclosed due to default in paying taxes, it can be anything like

property taxes, income taxes or any other taxes which may be imposedon any type of property.

473.Tax Lot Accounting it is the technique of keeping record for each

and every details like dates of purchase and sale, cost basis, and

transaction size for every security in the portfolio.

474.Tax Planning it is the analysis of a financial situation from tax

point of view, so as to align all financial goals with tax planning.

475.

Tax Refund it is a refund which one gets on taxes at the time

when the liability of tax is less than the taxes paid.

476.Tax Refund Anticipation Loan RAL it is a loan which is provided

by a third party against the expected refund of the taxpayer.


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477.Tax Relief it refers to breaks for tax and write-offs which

reduces the amount of tax to be paid or otherwise offer concessions

for taxpayers.

478.Tax Return it is the tax form or forms which are required to file

income taxes with the Internal Revenue Service (IRS).

479.

Tax Year it is the time period which is taken by a particular taxreturn.

480.Taxable Bond it is a debt security on which investor has to pay

tax on the return to the local, state or federal level, or

some combination thereof.

481.Taxable Estate The total value of a deceased person's assetsthat are subject to taxation - minus liabilities and minus the

prescribed tax-deductible portion of assets left behind by thedeceased.

482.Taxable Event it is an event or transaction which results in a

tax for the party who executes the event.

483.Taxable Gain Any profit from the sale of an asset which attract

taxation.

484.

Taxable Income it refers to the basis upon which an income taxsystem imposes tax.

485.Tax-Advantaged it refers to the bonus which is offered on a

certain accounts or investments that are, tax-reduced, tax-deferred, or

tax-free.

486.Taxation it refers to the method of raising revenue for the

purpose of public funding by the way of taxing individuals and

organizations.487.Tax-Exempt Interest it is the interest income that is tax free in

nature.

488.Tax-Exempt Sector - The niche market consist of various

investment vehicles which are exempt from federal taxes.


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489.Tax-Exempt Security it is a security in which any income

generated is free from federal, state and local taxes

490.Technical Analysis it is a method of evaluating the securities by

analyzing its statistics which is generated by market activity, like past

prices and volume.

491.

Technical Bankruptcy it is the condition of the state where acompany or person has defaulted on its financial obligation and would

be declared bankruptcy. And all the creditor would claim there money

from the court.

492.Technical Correction it is a process lowering down of the market

price of an asset after extensive price increases.

493.Technical Decline it is a fall in the price of a related security

which is caused by factors except the change in the fundamental valueof the security.

494.Technical Default it is a lack in a loan agreement which occur

not from a default to make payments as promised, but due the failure

to uphold some other aspect concerning to the loan terms.

495.Technical Indicator Any value which is resulted from any activity

of generic price in a stock or asset.

496.

Technical Job Skills these are the technical skills for a job whichis in accordance to the talent and expertise a person who perform a

certain job or task.

497.Technical Rally it is an upward movement in a price of the

security after the declining trend in the price.

498.Technical Skills it is the knowledge required to accomplish

mathematical, engineering, scientific or computer-related tasks, as

well as all other specific tasks.

499.Technically Strong Market - A scenario where the stock price is

moving high with greater volume or reducing on low volume.

500.Technically Weak Market - A scenario where the stock market is

rising on less volume or fading out in high volume.


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501.Technology Sector A category of stocks relating to theresearch, development and/or distribution of technologicallybased goods and services. This sector contains businesses

revolving around the manufacturing of electronics, creation of

software, computers or products and services relating to

information technology.

502.Telecom Arbitrage it is a strategy based arbitrage used by

telecommunications companies which offer their mobile or cellular

phone customers to make calls to abroad without attracting any long-

distance charges by dialing certain access numbers.

503.Telegraphic Transfer TT it is an electronic way of transferring

the funds overseas. Any transfer charge is taken while sending themoney.

504.Temporary Liquidity Guarantee Program (TLGP) this program

was adopted by the Federal Deposit Insurance Corporation (FDIC) on

October 13, 2008 at the time Global financial crisis of 2008 for the

purpose of boosting liquidity in the interbank lending market.

505.Tender Panel - it is one of the ways of financing pursuant for

selling Euro notes by circling underwriting facility.506.Tenor it is the time bracket left for the repayment of a loan; it is

expressed in years, months or days.

507.Term - it is define as a time period.

508.Term Auction Facility TAF it is a program for monetary policy

abided by the Federal Reserve to support increase liquidity in the

credit markets of U.S.

509.

Term Bond these are the bonds which are issued with the samematurity date.

510.Term Deposit it is a deposit which is kept with the financial

institution for a fix term.

511.Term Fed Funds it is the funds which are borrowed by the bank

from the Federal Reserve for more than a day, but less than 90 days.


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512.Term Federal Funds it is the remaining purchased in Federal

Reserve accounts for longer than a single day. Term federal funds have

a term of 90 days, maximum.

513.Term Loan it is a term loan offered by a bank for a certain

amount which has a specified repayment schedule and interest rate a

floating one.514.Term Repurchase Agreement - Under this agreement, in this bank

will buy securities from a dealer and then again sell it after a short time

at a predetermine price.

515.Term To Maturity it is the time gap between now and when a

bond matures.

516.Terms Of Employment it is the terms and conditions that are

laid out in a contract of employment.517.Terms of Trade TOT it is the quantity of imports which can be

bought by the sale of a fixed quantity of exports.

518.The Great Recession it is the scenario which explains the

recession which started on December 2007. Great Recession was

longer in term of time period and was worst than prior recessions.

519.The Wealth Effect it is the value of stock portfolios which rises

because of escalating stock prices, investors feel more secure in termsof their wealth and in turn encouraging them to spend more.

520.Theoretical Ex-Rights Price it is a calculation of the price for the

stock share of the company after issuing new rights-shares by

assuming that the entire share issued currently are taken up by the

existing shareholders.

521.Theory Of Price An economic theory that contends that theprice for any specific good/service is the relationship betweenthe forces of supply and demand. The theory of price says that

the point at which the benefit gained from those who demand the

entity meets the seller's marginal costs is the most optimal

market price for the good/service.


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522.Theta it is the rate at which the value of the option declines it

happens with the passage of time.

523.Thin Margin - it is a deficient margin that makes the account of

the speculator in an exposed and precarious situation, in the declining

market, scenario.

524.

Thin Market - A market which has less number of buyers andsellers.

525.Third Party Someone except the primary patty involved in a

transaction or agreement.

526.Third Party Beneficiary - Any third person who will reap the

benefit from a contract signed between two other parties.

527.Third-Party Distributor it is the name given to institutions which

indulge in selling or distribute mutual funds to the investors except anydirect relation with the fund itself.

528.Third-Party Insurance when the liability insurance bought by an

insured from an insurer for getting secured against the claims made by

the party.

529.Third-Party Verification TPV it is an act of getting an

independent party for confirming that the customer is really looking

for a change or wishes to order new service or product.530.Thrift it is defined as a savings and loan association in the United

States.

531.Thrift Bank it is a financial institution whose main aim is to take

deposits and offering home mortgages.

532.Thrift Institutions Advisory Council it is a council of members

who all advises the Federal Reserve board of governors on different

requirements and condition off all savings institutions.

533.Tied Selling it is the unauthorized practice by a company

offering a product or service on condition the customer wills purchases

a product from the same or related company.

534.Tier 1 Capital this term is use to define to \ show the capital

adequacy of a bank.


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535.Tier 1 Capital Ratio it is the difference between a banking core

of the firm equity capital and total risk-weighted assets.

536.Tier 2 Capital it is the term used for explaining the adequacy of

capital with a bank.

537.Tiered-Rate Account it is a checking or savings account which

pays interest in increasingly higher amounts as the account balanceincreases

538.Tight Monetary Policy it is series of action taken by the Federal

Reserve to restrict the spending in an economy which seems to grow

at higher pace, or control the inflation when it is moving too fast.

539.Tight Money it is a scenario when money becomes very complex

to obtain in a given economy.

540.

Time Arbitrage - when chance is created by the stock missing itsmark and is sold on the basis of short-term outlook with the little

transformation in the long-term view point of the company.

541.Time Certificate Deposit itcarries the interestandtheyare

payableon orafteracertain date. TheIntereston this instrument is

higheras comparedto interestgeneratedbyotherregular savings

accounts

542.

Time Decay it is the ratio between the variations in the price ofthe option and reduction in time to expiration.

543.Time Deposit - when savings account or CD is holed for a fixed-

tenure by understanding the fact that the depositor can only withdraw

money after he furnish a written notice.

544.Time Horizon it is the tenure for which an investment is kept

prior to its liquidation.

545.

Time In Force it is the piece of instruction given while placing a

trade, mentioning the tenure of the order specifying the time to

remain active prior to its execution.

546.Time Series it is a series of numerical data points in consecutive

order, generally occurring in equal intervals.


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547.Time Sharing it is the right to dwell in a unit of real estate

property, like condominium or vacation home, for a certain time

periods by specific number.

548.Time Value of Money - it is estimation of the money which is

available at the present time is worth more as compared to the value

of the same amount in the future because of its potential capacity toearn.

549.Times Interest Earned TIE this is the metric used to estimate

the ability of the company for meeting its debt obligations.

550.Time-Sale Financing it is an indirect way of dealer lending or

financing used by banks or other third parties.

551.Tobacco Tax it is a tax levied on cigarettes to support healthcare

for the poor of state and to contribute for cancer research and otherhealth saving programs.

552.Today's High it is the highest trading price one stock achieve in a

single trading day.

553.Today's Low - it is the lowest trading price one stock hits in a

single trading day.

554.Top Holdings it is the maximum volume of traded assets which

is owned by an individual, company or fund.555.Top Line it is a reference of the gross sales or revenues earned

by the company which raises or lowered down the revenues.

556.Topping-Up Clause it is the situation which executes in a back-to-

back or two-currency loan.

557.Total Debt Service Ratio TDS this ratio reflect the part of gross

income which is already used on housing-related and other

alike payments.

it is calculated as:


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558.Total Debt To Total Assets it is the methods used to gauge the

financial risk of a company by calculating how much asset of the

company have been debt financed.

559.Total Enterprise Value TEV it is the value which is used

compare companies with different levels of debt.

This is calculated as:

TEV = Market Capitalization + Interest Bearing Debt + Preferred Stock -

Excess Cash.

560.Total Expense Ratio TER it gauge the total costs which is

related to managing and operating of an investment fund like mutual

funds. It is calculated as:

561.Total Return When measuring performance, the actual rateof return of an investment or a pool of investments over a given

evaluation period. Total return includes interest, capital gains,

dividends and distributions realized over a given period of time.

562.

Total Return Index it is indexes which keeps tracks of boththe capital gains of a group of stocks over time, and takes any cash

distributions, like dividends, or the amount reinvested back into the

index, in to consideration.

563.Total Return Swap it is the financial contract which enables the

transfers of both the credit risk and market risk of an asset underlying.

564.Total Revenue Test it is the test which is conducted to know the

price elasticity of demand by the way comparing the variation in totalrevenue as a consequences of change in the product price.

565.Total Shareholder Return TSR it is the total return generated

by the stock for an investor means capital gain plus dividends.

566.Total Stock Fund - when a mutual fund or ETF which tries to

replicate market by holding the stock of every security which are being

traded on a exchange.


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567.Total Tax it is the grand summation of all taxes that is due to pay

by a taxpayer for the year.

568.Total Utility it is the level of satisfaction which a consumer gets

through the consumption of a specific good or service.

569.Toxic Assets it is an asset which becomes illiquid at the time its

secondary market disappears.570.Toxic Debt it is the debt that has bleak chances to be p[aid off

accompanied with interest.

571.Toxic Waste it is slang term relates to securities which are not

attractive because of certain risks making them generally illiquid.

572.Tracking Error it is an error which comes in between the price

behavior of a position and the price behavior of a benchmark.

573.

Tracking Stock it is a type of security which specially designed toreplicate the performance old a larger index.

574.Trade - it is the process of shifting of ownership rights of goods

and services from one person or entity to another.

575.Trade Acceptance it is the bill of exchange for the amount of a

purchase drawn by the seller on the purchaser, containing the

signature of the purchaser and furnishing the detail of time and place

of payment.576.Trade Credit this refers to the arrangement between businesses

to purchase goods or services on account, means, without making any

cash payment.

577.Trade Deficit it is the scenario when there is negative balance of

trade, i.e. imports exceed exports.

578.Trade Finance - The science which explains the management of

money, banking, credit, investments and assets for purpose of

international trade transactions.

579.Trade Sanction it is a trade fine which is imposed by one nation

on one or more other nations.


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580.Trade Secret any of the confidential business information which

helps the company to have a competitive edge is considered a trade

secret.

581.Trade War A trade war refers to two or more states raising orcreating tariffs or other trade barriers on each other in retaliation for other

trade barriers. Increased protection causes both nations' output compositionsto move towards their autarky position.582.Trademark it is a symbol, word, phrase, logo, or some

combination of these which legally distinguishes product of one

company from any others company`s product.

583.Trading Account it is an account which is parallel to a

traditional bank account, in term of holding cash and securities, and is

managed by an investment dealer.

584.

Trading Assets it is a set of securities which are held by a firm

that are they are held with the main motive of reselling the same for a

profit.

585.Trading Book it is the portfolio of financial instruments that is

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