The Reserve Bank of India (RBI) has retained State Bank of India, ICICI Bank and HDFC Bank as 'Domestic Systemically Important Banks' (D-SIBs). Domestic Systemically Important Bank (D-SIB) is a bank that could disrupt the domestic economy should it fail. According to the RBI, some banks become systemically important due to their size, cross-jurisdictional activities, complexity and lack of substitute and interconnection. Banks whose assets exceed 2% of GDP are considered part of this group.