**Executive Summary**
This press release from the Reserve Bank of India (RBI), dated December 02, 2025, announces the 2025 list of Domestic Systemically Important Banks (D-SIBs). State Bank of India, HDFC Bank, and ICICI Bank continue to be identified as D-SIBs. These banks are subject to additional Common Equity Tier 1 (CET1) requirements, effective as of March 31, 2025.
**Key Points / Main Content**
* **Designation of D-SIBs:**
* State Bank of India, HDFC Bank, and ICICI Bank remain identified as D-SIBs.
* **Additional CET1 Requirements:**
* The additional CET1 requirement is in addition to the Capital Conservation Buffer.
* The CET1 requirement is based on the bank's bucket assignment:
* State Bank of India: Bucket 4, 0.80% of Risk Weighted Assets (RWAs)
* HDFC Bank: Bucket 2, 0.40% of Risk Weighted Assets (RWAs)
* ICICI Bank: Bucket 1, 0.20% of Risk Weighted Assets (RWAs)
* **Framework and History:**
* The D-SIB framework was initially issued on July 22, 2014 and subsequently updated on December 28, 2023.
* The RBI has been disclosing the names of banks designated as D-SIBs since 2015.
* D-SIBs are placed in buckets based on their Systemic Importance Scores (SIS).
* State Bank of India and ICICI Bank were initially identified as D-SIBs in 2015 and 2016.
* HDFC Bank was classified as a D-SIB in 2017.
**Impact Analysis**
**State Bank of India**
* **Impact:** The bank is classified under bucket 4.
* **Action Required:** Maintain an additional CET1 of 0.80% of Risk Weighted Assets (RWAs) as a capital surcharge.
**HDFC Bank**
* **Impact:** The bank is classified under bucket 2.
* **Action Required:** Maintain an additional CET1 of 0.40% of Risk Weighted Assets (RWAs) as a capital surcharge.
**ICICI Bank**
* **Impact:** The bank is classified under bucket 1.
* **Action Required:** Maintain an additional CET1 of 0.20% of Risk Weighted Assets (RWAs) as a capital surcharge.
**Reserve Bank of India**
* **Impact:** The RBI continues to monitor and regulate D-SIBs to maintain financial stability.
* **Action Required:** Continue to assess the systemic importance of banks and update the D-SIB list as necessary.
Key Entities Referenced
Domestic Systemically Important Banks (D-SIBs): Banks considered too big to fail within India, subject to additional regulatory requirements.
State Bank of India: Identified as a Domestic Systemically Important Bank (D-SIB).
HDFC Bank: Identified as a Domestic Systemically Important Bank (D-SIB).
ICICI Bank: Identified as a Domestic Systemically Important Bank (D-SIB).
'Framework for dealing with Domestic Systemically Important Banks (D-SIBs)': Policy document issued by the Reserve Bank of India outlining regulations for Domestic Systemically Important Banks.
प्रेस प्रकाशनी PRESS RELEASE
भारतीय ररज़र्व ब ैंक
RESERVE BANK OF INDIA
वेबसाइट : www.rbi.org.in/hindi संचार वर्भाग, केंद्रीय कायाालय, शहीद भगत ससिंह मागा, फोटा, म िंबई - 400 001
Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort,
ई-मेल/email : helpdoc@rbi.org.in Mumbai - 400 001 फोन/Phone: 022 - 2266 0502
December 02, 2025
RBI releases 2025 list of Domestic Systemically Important Banks (D-SIBs)
State Bank of India, HDFC Bank, and ICICI Bank continue to be identified as Domestic
Systemically Important Banks (D-SIBs) under the same bucketing structure as in the 2024 list
of D-SIBs. The additional Common Equity Tier 1 (CET1) requirement for these D-SIBs will be
in addition to the Capital Conservation Buffer.
The list of D-SIBs is as follows:
Bucket Bank(s) Additional CET1
requirement
as a percentage of Risk
Weighted Assets (RWAs)
5 - 1%
4 State Bank of India 0.80%
3 - 0.60%
2 HDFC Bank 0.40%
1 ICICI Bank 0.20%
Background:
The Reserve Bank had issued the ‘Framework for dealing with Domestic Systemically
Important Banks (D-SIBs)’ on July 22, 2014, which was subsequently updated on December
28, 2023. The D-SIB framework requires the Reserve Bank to disclose the names of banks
designated as D-SIBs starting from 2015 and place these banks in appropriate buckets
depending upon their Systemic Importance Scores (SIS). Based on the bucket in which a D-
SIB is placed, an additional CET1 requirement has to be applied to it. In case a foreign bank
having branch presence in India is a Global Systemically Important Bank (G-SIB), it has to
maintain additional CET1 capital surcharge in India as applicable to it as a G-SIB,
proportionate to its Risk Weighted Assets (RWAs) in India, i.e., additional CET1 buffer
prescribed by the home regulator (amount) multiplied by India RWA as per consolidated global
Group books divided by total consolidated global Group RWA.
The Reserve Bank had announced State Bank of India and ICICI Bank as D-SIBs in 2015
and 2016 while HDFC Bank was classified as D-SIB in 2017 along with State Bank of India
and ICICI Bank. The current update is based on the data collected from banks as on March
31, 2025.
(Brij Raj)
Press Release: 2025-2026/1613 Chief General Manager