The Reserve Bank of India (RBI) on 31 August 2015, declared State Bank of India and ICICI Bank as Domestic Systemically Important Banks (D- SIBs). Banks falling in the D- SIB category need to set aside more capital per loan than their peers to prevent a contagion effect which can potentially weigh down other banks in the financial system if there is a crisis. According to the RBI, while SBI will have to set aside 0.6 per cent of the loan as capital buffer, ICICI Bank will have to keep 0.2 per cent of loan as capital buffer