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A Banker's Glossary ABO See accumulated benefit obligation. ABS (1) Initials for asset-backed security. See asset-backed security.
(2) The name for a convention used to express the rate of prepayments for an asset-backed security. ABS expresses principal prepayments as a percentage of the original number of loans or contracts in the pool of securitized loans that created the security. ABS is always expressed as a monthly rate. Absorption A term used by real estate lenders and developers to describe the process of renting up newly built or renovated office space or apartments. The term 'absorption period' is often used to describe the period of time necessary for absorption. Abstract of title A written report summarizing the history of title transactions and conditions of title that affect a given piece of land covering the period from the present back to a date in the past. 
A comprehensive, but cumbersome, and somewhat obsolete, method of verifying the ownership and encumbrances of a parcel, or parcels, of real estate.
Accelerated depreciation A group of methods for achieving periodic reductions in the book value of fixed assets that make larger reductions in the early periods and progressively smaller reductions in later periods. The offsetting entry is the depreciation expense. Acceleration Making demand for payment in full for a debt that has not yet matured. Usually a remedy provided in a loan document for the lender to use in the event of default by the borrower. Acceleration clause A provision in a loan document stating that the entire amount of unpaid indebtedness owed to the lender may become immediately due and payable if the borrower defaults.
Acceptance A time draft that has been accepted for payment. See banker's acceptance. Accessions Goods that are physically united with other goods in such a manner that the identity of the original goods is not lost.