India's central bank on Wednesday said the State Bank of India (SBI.NS), opens new tab, HDFC Bank (HDBK.NS), opens new tab and ICICI Bank (ICBK.NS), opens new tab remain the three domestic systemically important banks (D-SIBs) and that the first two would need to maintain an additional capital buffer starting April 2025.
Systemically important banks are financial institutions whose failure or distress could trigger a broader financial crisis and threaten the stability of the entire financial system. These institutions are also perceived as being "too big to fail".
| Rank | Bank Name | Market Capitalization (₹ Crores) |
|---|
| 3 | State Bank of India (SBI) | 5,18,000 |
| 4 | Kotak Mahindra Bank | 4,46,000 |
| 9 | Punjab National Bank | 90,000 |
NPA
As of December 31, 2024, State Bank of India's (SBI) gross non-performing asset (NPA) ratio stood at 2.07%, while the net NPA ratio remained unchanged at 0.53%
As of December 31, 2024, HDFC Bank's gross non-performing assets (GNPA) ratio was 1.42% of gross advances, and its net non-performing assets (NPA) ratio was 0.46% of net advances
As of December 31, 2024, ICICI Bank's gross NPA ratio was 1.96%, and its net NPA ratio was 0.42%
As of December 31, 2024, Kotak Mahindra Bank's Gross Non-Performing Assets (GNPA) stood at 1.50% and Net Non-Performing Assets (NNPA) at 0.41%
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