<h1>RBI Study: Macroprudential Regulations Boost Profitability in Retail-Dependent Banks; Larger Banks Stable but Slow Credit Growth.</h1> The Reserve Bank of India released a working paper analyzing the impact of macroprudential regulations on bank performance in India from 1992 to 2012. The study, using bank-level data, focuses on capital adequacy, provisioning norms, and loan classification requirements. Key findings indicate that banks with higher retail dependence show increased profitability and margins due to lower deposit costs. Larger banks demonstrate greater stability but slower credit growth, while foreign banks exhibit lower credit growth and stability compared to domestic private banks. The paper suggests that these differences are influenced by macroprudential measures, highlighting the complex interplay between regulation and bank performance.