**Executive Summary**
This press release from the Reserve Bank of India, 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 will face additional Common Equity Tier 1 (CET1) requirements as a percentage of Risk Weighted Assets (RWAs) according to their assigned bucket.
**Key Points / Main Content**
* **D-SIB Designation:** State Bank of India, HDFC Bank, and ICICI Bank are designated as Domestic Systemically Important Banks (D-SIBs).
* **CET1 Requirement:** D-SIBs must meet additional Common Equity Tier 1 (CET1) requirements, which are added to the Capital Conservation Buffer.
* **Bucketing Structure:** The additional CET1 requirement varies based on the bank's bucket assignment, as follows:
* Bucket 5: Not assigned.
* Bucket 4: State Bank of India requires a 1% CET1.
* Bucket 3: Not assigned.
* Bucket 2: HDFC Bank requires a 0.80% CET1.
* Bucket 1: ICICI Bank requires a 0.20% CET1.
* **Framework:** The framework for dealing with D-SIBs was issued on July 22, 2014 and updated on December 28, 2023.
* **Disclosure:** The Reserve Bank discloses the names of banks designated as D-SIBs starting from 2015.
* **Global Systemically Important Banks (G-SIBs):** Foreign banks with branches in India that are designated as G-SIBs must maintain additional CET1 capital surcharge in India.
* **Historical Designations:** State Bank of India and ICICI Bank were designated as D-SIBs in 2015 and 2016, while HDFC Bank was classified as a D-SIB in 2017.
* **Data Source:** The current update is based on data collected from banks as of March 31, 2025.
**Impact Analysis**
**State Bank of India**
* **Impact:** Requires a CET1 of 1% as a percentage of Risk Weighted Assets (RWAs).
* **Action Required:** Ensure sufficient capital reserves to meet the CET1 requirements.
**HDFC Bank**
* **Impact:** Requires a CET1 of 0.80% as a percentage of Risk Weighted Assets (RWAs).
* **Action Required:** Ensure sufficient capital reserves to meet the CET1 requirements.
**ICICI Bank**
* **Impact:** Requires a CET1 of 0.20% as a percentage of Risk Weighted Assets (RWAs).
* **Action Required:** Ensure sufficient capital reserves to meet the CET1 requirements.
Key Entities Referenced
Domestic Systemically Important Banks (D-SIBs): Banks considered too big to fail within the Indian financial system, the policy outlines additional capital requirements for them.
Reserve Bank of India: The central bank of India, responsible for identifying and regulating D-SIBs.
State Bank of India: One of the banks identified as a Domestic Systemically Important Bank (D-SIB).
HDFC Bank: One of the banks identified as a Domestic Systemically Important Bank (D-SIB).
ICICI Bank: One of the banks identified as a Domestic Systemically Important Bank (D-SIB).
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