Regulating Commercial Banking

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:

Analysis of the performance under the Citizen’s Charter during the month of November 2025 has been carried out, and the summary thereof is given below –

(Amount in ₹ crore) SCHEDULED COMMERCIAL BANKS (Including RRBs,SFBs and PBs) ALL SCHEDULED BANKS 15-Nov-2024 31-Oct-2025* 14-Nov-2025* 15-Nov-2024 31-Oct-2025* 14-Nov-2025* I LIABILITIES TO THE BKG.SYSTEM (A) a) Demand & Time deposits from banks 286037.41 324591.97 350944.60 291221.79 331728.86 357866.58** b) Borrowings from banks 135263.61 85106.05 81533.54 135338.08 85106.05 81560.54 c) Other demand & time liabilities 24650.32 27465.23 26997.34 25006.84 27925.58 27514.50

Reserve Bank has taken the following measures with a view to mitigate the impact of trade disruptions on exports arising on account of global headwinds. A. FEMA Regulation on realization and repatriation of proceeds of export of goods/ software/ services and advance payment against exports (Hyperlink) i) Extension in the time period for realisation and repatriation of full export value of goods/software/services exported from India from nine months to fifteen months from the date of export from India; ii) Increase in the time period for shipment of goods from one year to three years from the date of receipt of advance payment or as per agreement, whichever is later. B. Reserve Bank of India (Trade Relief Measures) Directions, 2025 (Hyperlink)

The Financial Action Task Force (FATF) vide public document ‘High-Risk Jurisdictions subject to a Call for Action’ – 24 October 2025, has called on its members and other jurisdictions to refer to the statement on Democratic People’s Republic of Korea (DPRK) and Iran adopted in February 2020 which remains in effect. Further, Myanmar was added to the list of High-Risk Jurisdictions subject to a Call for Action in the October 2022 FATF plenary and FATF has called on its members and other jurisdictions to apply enhanced due diligence measures proportionate to the risk arising from Myanmar. When applying enhanced due diligence measures, countries have been advised to ensure that flows of funds for humanitarian assistance, legitimate NPO activity and remittances are not disrupted. The status of Myanmar