*15 Most Crucial Terminologies for Bankers* 1. *Asset*: Something of value owned by an individual or entity 2. *Bank Liquidity*: Availability of cash or easily convertible assets 3. *Call Money*: Short-term loan payable on demand 4. *CAMELS Rating*: Evaluation of a bank’s performance 5. *Capital Adequacy Ratio*: Capital as a percentage of risk-weighted assets 6. *Credit Risk*: Risk of default on a loan 7. *Debt-to-Equity Ratio*: Ratio between a company’s debt and its shareholders’ equity 8. *Dividend*: Earnings distributed to shareholders 9. *Duration*: Sensitivity of a bond’s price to interest rate changes 10. *Forbearance*: Agreement to temporarily cease foreclosures 11. *Foreclosure*: Legal process of seizing a property for unpaid debt 12. *Moratorium*: Temporary suspension of activities, such as loan payments 13. *NPA (Non-Performing Asset)*: Debt in default or arrears 14. *Underwriting*: Process of assessing risk for a loan or financial product