RbiSearchHeader

Press escape key to go back

Past Searches

rbi.page.title.1
rbi.page.title.2
High Contrast Version
High Contrast Version
Text Size
Text Size
PwC_SIT

RbiAnnouncementWeb

RBI Announcements
RBI Announcements

RBINotificationIndexToCircularFilter

Refine search

Search Results

index-to-rbi-circulars

circular-number date-of-issue index-to-rbi-circular-department subject meant-for
RBI/ 2009-2010/179 UBD.CO.BPD.No. 13/09.18.300/2009-10 05.10.2009 Urban Banks Department Cash Withdrawal at point of Sale (POS) - UCBs The Chief Executive Officer All Primary (Urban) Co-operative Banks
RBI/2009-2010/177 FMD/MSRG/40 /01.14.001/2009-2010 05.10.2009 Financial Markets Department Reporting of OTC Interest Rate Derivatives - Client Level Transactions All Scheduled Commercial Banks (excluding RRBs and LABs) and Primary Dealers.
RBI/2009-2010/176 A.P. (DIR Series) Circular No. 11 05.10.2009 Foreign Exchange Department Issue of Bank Guarantee on behalf of service importers All Authorised Dealer Category - I Banks
RBI/2009-2010/175 A.P. (DIR Series) Circular No.10 05.10.2009 Foreign Exchange Department Foreign Exchange Management Act, 1999 - Advance Remittance for import of Services All Authorised Dealer Category - I Banks
Notification No. FEMA 200 / 2009 - RB 05.10.2009 Foreign Exchange Department Foreign Exchange Management (Acquisition and Transfer of Immovable Property in India) (Second Amendment) Regulations, 2009
Ref.No.IDMD /1561 /08.02.33/2009-10 01.10.2009 Internal Debt Management Department Auction of Government of India Dated Securities
F. No.4152 (1)-W&M/2009 01.10.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.90 per cent Government Stock, 2019’
F. No.4151 (1)-W&M/2009 01.10.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.02 per cent Government Stock, 2016’
F. No.4150 (1)-W&M/2009(ii) 01.10.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘8.28 per cent Government Stock, 2032’
Notification No.FEMA. 199 /2009-RB 30.09.2009 Foreign Exchange Department Foreign Exchange Management (Foreign Currency Accounts by a Person Resident in India) (Second Amendment) Regulations, 2009
RBI/2009-2010/173 Ref No.UBD.BPD.CO/NSB1/11/12.03.000/2009-10 29.09.2009 Urban Banks Department UCBs - KYC Guidelines - Accounts of Proprietary Concerns The Chief Executive Officer of All Primary (Urban) Co-operative Banks
RBI/2009-2010/168 DBOD.No.BP.BC. 46/21.04.048/2009-10 24.09.2009 Department of Banking Operations and Development Prudential Norms on Income Recognition, Asset Classification, and Provisioning pertaining to Advances - Computation of NPA Levels The Chairman and Managing Directors / Chief Executive officers All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs)
RBI/2009-2010/167 DBS.CO.No. PP. BC. 8/11.01.005/ 2009-10 24.09.2009 Department of Banking Supervision Exposure to Real Estate Sector- Assessment of Group Risk The Chairmen / Chief Executive Officers All Commercial Banks (excluding RRBs)
RBI/2009-2010/170 A. P. (DIR Series) Circular No.09 24.09.2009 Foreign Exchange Department Exim Bank's Line of Credit of USD 30 million to the Government of the Republic of Mozambique All Category - I Authorised Dealer Banks
Notification No.FEMA.198 /2009-RB Notification No.FEMA.198 /2009-RB 24.09.2009 Foreign Exchange Department Foreign Exchange Management (Remittance of Assets) (Amendment) Regulations, 2009
Notification No. FEMA 197/2009-RB 22.09.2009 Foreign Exchange Department Foreign Exchange Management (Borrowing or Lending in Foreign Exchange) (Third Amendment) Regulations, 2009
RBI/2009-2010/165 DNBS.PD.CC.No.161/3.10.01/ 2009-10 18.09.2009 Department of Non Banking Supervision Introduction of Interest Rate Futures- NBFCs All NBFCs (excluding RNBCs)
RBI/2009-2010/163 DBOD.No.Ret. BC.45/12.01.001/2009-10 18.09.2009 Department of Banking Operations and Development Master Circular - Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) All Scheduled Commercial Banks (excluding Regional Rural Banks)
Ref.No.IDMD /1325/08.02.33/2009-10 18.09.2009 Internal Debt Management Department Auction of Government of India Dated Securities
F. No.4133 (1)-W&M/2009(ii) 18.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘8.28 per cent Government Stock, 2032’
F. No.413 (1)-W&M/2009 18.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.35 per cent Government Stock, 2020'
F. No.4132 (1)-W&M/2009 18.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.49 per cent Government Stock, 2015’
RBI/2009-2010/166 DBOD. AML.BC. No. 44 /14.01.001/2009-10 18.09.2009 Department of Banking Operations and Development Combating financing of terrorism- Unlawful Activities (Prevention) Act, 1967- Obligation of banks The Chairmen and Chief Executive Officers (All Scheduled Commercial Banks excluding RRBs)/Financial Institutions/ Local Area Banks
RBI/2009-2010/162 DNBS (PD) CC.No. 160/03.10.001/2009-10 17.09.2009 Department of Banking Operations and Development RBI approval required for acquisition/transfer of control of NBFCs accepting deposits All deposit taking NBFCs (excluding RNBCs)
RBI/2009-2010/159 DBS. CO. FrMC. BC. No. 7 /23.04.001/2009-10 16.09.2009 Department of Banking Supervision Fraud Risk Management System in banks - Role of Chairmen / Chief Executive Officers The Chairman / Chief Executives of All Scheduled Commercial Banks (excluding RRBs)
RBI/2009-2010/157 Ref.: UBD.CO.BPD.Cir. No. 1/13.05.000/2009-10 16.09.2009 Urban Banks Department Rupee Export Credit Interest Rates Chief Executive Officer Scheduled Urban Co-operative Banks (holding AD Category I licences)
RBI/2009-2010/158 UBD. CO. BPD. PCB.Cir. No.9/12.05.001/2009-10 16.09.2009 Urban Banks Department Adherence to KYC/AML guidelines while opening and conduct of the accounts of Multi Level Marketing firms The Chief Executive Officers of All Primary (Urban) Co-operative Banks
RBI/2009-2010/156 A. P. (DIR Series) Circular No.08 14.09.2009 Foreign Exchange Department Foreign Currency Account by diplomatic missions - Credit of Visa Fees All Category - I Authorised Dealer Banks
F. No.4 (1ii)-W&M/2009 F. No.4 (1ii)-W&M/2009 11.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.02 per cent Government Stock, 2016’
F. No.4 (1)-W&M/2009 (iii) F. No.4 (1)-W&M/2009 (iii) 11.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.90 per cent Government Stock, 2019’
F. No.4 (1)-W&M/2009(iiii) F. No.4 (1)-W&M/2009(iiii) 11.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘8.24 per cent Government Stock, 2027'
RBI/2009-2010/152 DBOD. AML.BC. No.43 /14.01.001/2009-10 11.09.2009 Department of Banking Operations and Development Know Your Customer (KYC) norms / Anti-Money Laundering (AML) standards/Combating of Financing of Terrorism (CFT)/Obligation of banks under PMLA, 2002 The Chairmen and Chief Executive Officers All Scheduled Commercial Banks excluding RRBs/Financial institutions/ Local Area Banks
Ref.No.IDMD / 1241/08.02.33/2009-10 Ref.No.IDMD / 1241/08.02.33/2009-10 11.09.2009 Internal Debt Management Department Auction of Government of India Dated Securities
RBI/2009-2010/151 DBOD.BP.BC.No. 42 /08.12.015/ 2009-10 09.09.2009 Department of Banking Operations and Development Guidelines on Classification of Exposures as Commercial Real Estate (CRE) Exposures All Commercial Banks (excluding RRBs)
RBI/2009-2010/150 Ref. DBOD No. Ret. BC. 41/12.02.001/2009-10 08.09.2009 Department of Banking Operations and Development Maintenance of SLR All Scheduled Commercial Banks (Excluding Regional Rural Banks)
RBI/2009-2010/149 DBOD.No. Dir (Exp). BC. 39/04.02.001/2009-10 07.09.2009 Department of Banking Operations and Development Gold Card Scheme for Exporters All Scheduled Commercial Banks (Excluding RRBs)
RBI/2009-2010/147 DBOD.No.BP.BC. 38/21.01.002/2009-10 07.09.2009 Department of Banking Operations and Development Issue of Subordinated Debt for Raising Tier II Capital All commercial banks (excluding RRBs)
Ref.No.IDMD / 1140/08.02.33/2009-10 04.09.2009 Internal Debt Management Department Auction of Government of India Dated Securities
F. No.4331(1)-W&M/2009(i) 04.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.35 per cent Government Stock, 2020'
W&M2III/2009-II 04.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.40 per cent Government Stock, 2012’
W&M2II/2009-II 04.09.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘8.28 per cent Government Stock, 2032’
RBI/2009-2010/145 UBD.BPD.PCB.Cir.No 8 /13.05.006/2009-10 03.09.2009 Urban Banks Department UCBs - Last Date for OTS Scheme (under Agricultural Debt Waiver and Debt Relief Scheme, 2008) extended The Chief Executive Officer,All Primary (Urban) Co-operative Banks
RBI /2009-2010/142 DBOD.No.Leg.BC. 37 /09.07.005/2009-10 02.09.2009 Department of Banking Operations and Development Display of information regarding Local Level Committees set up under the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities Act, 1999 All Scheduled Commercial Banks (Excluding RRBs)
RBI/2009-2010/139 Ref: DBOD.No.Ret.BC.36/12.02.001/2009-10 01.09.2009 Department of Banking Operations and Development Cash Management Bills eligible as SLR Securities All Scheduled Commercial Banks (Excluding Regional Rural Banks)
RBI/2009-2010/140 UBD (PCB) BPD Cir No. 7 /13.01.000/2009-10 01.09.2009 Urban Banks Department Payment of interest on Savings Bank Account on a Daily Product Basis - UCBs Chief Executive Officer of All Primary (urban) Cooperative Banks
RBI/2009-2010/138 UBD.CO.BSD. (SCB). No.5/12.09.009/2009-10 31.08.2009 Urban Banks Department UCBs - Forms of Business in which Banking Companies may Engage The Chief Executive Officer All Primary (Urban) Co-operative Banks
RBI/2009-2010/137 DBOD.No.BP.BC. 35/21.04.048/2009-10 31.08.2009 Department of Banking Operations and Development Agricultural Debt Waiver and Debt Relief Scheme, 2008 - Prudential Norms The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs)
No.4 (1)-W&M/2009(ii): F. No.4 (1)-W&M/2009(ii): 28.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘8.24 per cent Government Stock, 2027'
No.4(1)W&M/2009(i): F. No.4 (1)-W&M/2009 (i): 28.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.90 per cent Government Stock, 2019’
F. No.4 (1)-W&M/2009 : F. No. (1)-W&M/2009 28.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.49 per cent Government Stock, 2015’
RBI/2009-2010/135 DBOD.BP.BC. No.34 /21.04.157/2009-10 28.08.2009 Department of Banking Operations and Development Guidelines on Exchange Traded Interest Rate Derivatives The Chairmen/ Chief Executive Officers All Commercial Banks (excluding RRBs and LABs)
Ref.No.IDMD /1042/08.02.33/2009-10 Ref.No.IDMD /1042/08.02.33/2009-10 28.08.2009 Internal Debt Management Department Auction of Government of India Dated Securities All Scheduled Commercial Banks excluding RRBs/All State Co-operative Banks/All Scheduled Primary (Urban) Co-operative Banks /All Financial Institutions/All Primary Dealers
RBI/2009-2010/134 FMD.MSRG No. 39 /02.04.003/ 2009-10 28.08.2009 Financial Markets Department Exchange Traded Interest rate futures All Scheduled Commercial Banks, Primary dealers, Urban co-operative banks, Non-banking Finance Companies and specified All India Financial Institutions
RBI/2009-2010/132 DBOD.No.BP.BC. 33/21.04.048/2009-10 27.08.2009 Department of Banking Operations and Development Prudential Treatment in respect of Floating Provisions The Chairman and Managing Directors / Chief Executive Officers All Scheduled Commercial Banks (including Local Area Banks) (Excluding RRBs)
RBI/2009-2010/131 DBOD.No. Dir (Hsg). BC.31/ 08.12.001/2009-10 27.08.2009 Department of Banking Operations and Development Finance for Housing Projects -Disclosure of Information on Mortgage of Property All Scheduled Commercial Banks (Excluding RRBs)
RBI/2009-2010/130 DBOD.BP.BC No. 32 / 21.01.001/ 2009-10 27.08.2009 Department of Banking Operations and Development Collection of account payee cheque - Prohibition on crediting proceeds to third party account The Chairmen/Chief Executives of all Commercial Banks (excluding RRBs)
Ref.No.IDMD / 923/08.02.33/2009-10 21.08.2009 Internal Debt Management Department Auction of Government of India Dated Securities
F. No.4 (1)-W&M/2009 F. No.446(1)-W&M/2009 21.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.02 per cent Government Stock, 2016’
F. No.4 (1)-W&M/2009(i) F. No.445(1)-W&M/2009(i) 21.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.94 per cent Government Stock, 2021’
F. No.4(1)-W&M/2009(ii) F. No.444 (1)-W&M/2009(ii) 21.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘8.28 per cent Government Stock, 2032’
RS State Govt Loan 21.08.2009 Department of Banking Operations and Development Revised Scheme for Non-competitive Bidding Facility in the Auctions of State Government Securities (Annex - II of the General Notification)
RBI/2009-2010/126 UBD (PCB) BPD Cir No. 4 /13.01.000/2009-10 20.08.2009 Urban Banks Department Payment of interest on accounts frozen by UCBs Chief Executive Officer of All Primary (urban) Cooperative Banks
RBI/2009-2010/125 A.P. (DIR Series) Circular No.07 18.08.2009 Foreign Exchange Department Exim Bank's Line of Credit to the Government of Lao People's Democratic Republic All Category - I Authorised Dealer Banks
F.No.4(1i)-W&M/2009(iii) F.No.4(1i)-W&M/2009(iii) 17.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘8.24 per cent Government Stock, 2027'
F.No.4(11)-W&M/2009(ii) F.No.4(11)-W&M/2009(ii) 17.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.90 per cent Government Stock, 2019’
F.No.4(1I)-W&M/2009 F.No.4(1I)-W&M/2009 17.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.49 per cent Government Stock, 2015’
Ref.No.IDMD /859/08.02.33/2009-10 Ref.No.IDMD /859/08.02.33/2009-10 17.08.2009 Internal Debt Management Department Auction of Government of India Dated Securities
RBI/2009-2010/124 UBD.BPD.PCB.Cir.No. 3 /13.05.006/2009-10 17.08.2009 Urban Banks Department UCBs - Agricultural Debt Waiver and Debt Relief Scheme, 2008 The Chief Executive Officer, All Primary (Urban) Co-operative Banks
RBI/2009-2010/121 DBS.CO.IPC.BC.3/12.01.001/2009-10 14.08.2009 Department of Banking Supervision Rupee Export Credit - Interest Rate Subvention All Scheduled Commercial Banks (excluding RRBs)
RBI/2009-2010/119 DBOD.No.Leg.BC.30 /09.07.005/2009-10 12.08.2009 Department of Banking Operations and Development Payment of interest on accounts frozen by banks All Scheduled Commercial Banks (Excluding RRBs)
RBI/2009-2010/118 DBOD.No.BP.BC. 29 / 21.06.001 / 2009-10 12.08.2009 Department of Banking Operations and Development Implementation of the New Capital Adequacy Framework (NCAF) All Commercial Banks (excluding Local Area Banks and Regional Rural Banks)
RBI/2009-2010/117 DBOD. AML. No. 2680/14.06.051/2009-10 11.08.2009 Department of Banking Operations and Development List of Terrorist Individuals/Organisations - under UNSCR 1267(1999) and 1822(2008) on Taliban/Al-Qaida Organisation The Chairman / CEOs of all Scheduled Commercial Banks (Excluding RRBs)/Local Area Banks / Financial Institutions
F.No.4(1)-W&M/2009 F.No.4(1)-W&M/2009 07.08.2009 Internal Debt Management Department Auction for Sale of a New Government Stock of 7 Years
F.No.4(1)-W&M/2009(i) F.No.4(1)-W&M/2009(i) 07.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.35 per cent Government Stock, 2020'
Ref.No. IDMD /73708.02.33/2008-09 Ref.No. IDMD /73708.02.33/2008-09 07.08.2009 Internal Debt Management Department Auction of Government of India Dated Securities
F.No.4(1)-W&M/2009(ii) F.No.4(1)-W&M/2009(ii) 07.08.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.35 per cent Government Stock, 2024’
RBI/2009-2010/116 DBOD.No.FID.FIC.5/01.02.00/2009-10 05.08.2009 Department of Banking Operations and Development Lending under Consortium Arrangements/Multiple Banking Arrangements The CEOs of the Select All-India Term-lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI)
RBI/2009-2010/115 DBOD No.BP.BC. 28 /21.04.141/2009-10 04.08.2009 Department of Banking Operations and Development Inter-Bank Participations - Scheduled Commercial Banks The Chairman and Managing Directors / Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs & LABs)
RBI/2009-2010/112 A. P. (DIR Series) Circular No.06 03.08.2009 Foreign Exchange Department Memorandum of Instructions governing money changing activities All Authorised Persons in Foreign Exchange
RBI/2009-2010/111 Ref: DBOD.No. Ret. BC. 27/12.06.125 /2009-10 03.08.2009 Department of Banking Operations and Development Inclusion of First Rand Bank Ltd in the Second Schedule to the RBI Act, 1934 All Scheduled Commercial Banks
F.No.4 (1)-W&M/2009(ii): FNo.4 (1)-W&M/2009(ii): 31.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.40 per cent Government Stock, 2035'
F. No.4 (1)-W&M/2009 (i) FNo.4 (1)-W&M/2009 (i) 31.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.90 per cent Government Stock, 2019’
F. No.4 (1)-W&M/2009 F No.4 (1)-W&M/2009 31.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.49 per cent Government Stock, 2015’
Ref.No.IDMD/568 /08.02.33/2009-10 Ref.No.IDMD/568 /08.02.33/2009-10 31.07.2009 Internal Debt Management Department Auction of Government of India Dated Securities
Notification No. FEMA 196 / 2009-RB 28.07.2009 Foreign Exchange Department Foreign Exchange Management (Transfer or Issue of Any Foreign Security) (Fourth Amendment) Regulations, 2009
RBI RBI 28.07.2009 Department of Banking Operations and Development First Quarter Review of Statement on Monetary Policy for the Year 2009-10
Ref.No.IDMD / 446 /08.02.33/2009-10 24.07.2009 Internal Debt Management Department Auction of Government of India Dated Securities All Scheduled Commercial Banks excluding RRBs/All State Co-operative Banks/All Scheduled Primary (Urban) Co-operative Banks /All Financial Institutions/All Primary Dealers
F. No.42 (1)-W&M/2009 24.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.07 per cent Government Stock, 2014’
F. No.442(1)-W&M/2009(i) 24.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.94 per cent Government Stock, 2021’
F. No.4(1)-W&M/2009(ii) F. No.424 (1)-W&M/2009(ii) 24.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘8.24 per cent Government Stock, 2027'
RBI/2009-2010/106 A.P. (DIR Series) Circular No.05 22.07.2009 Foreign Exchange Department Issue of Indian Depository Receipts (IDRs) All Category - I Authorised Dealer banks
RBI/2009-2010/103 DBOD.No.Leg.BC.24 /09.07.005/2009-10 21.07.2009 Department of Banking Operations and Development Grievance Redressal Mechanism - Display of Contact Details of Officials All Scheduled Commercial Banks (Excluding RRBs)
RBI/2009-2010/104 A.P. (DIR Series) Circular No. 04 21.07.2009 Foreign Exchange Department Exim Bank’s Line of Credit to Government of Republic of Sudan All Category - I Authorised Dealer Banks
Ref.No.IDMD /315/08.02.33/2009-10 17.07.2009 Internal Debt Management Department Auction of Government of India Dated Securities
F.No. 4 (1)-W&M/2009(i) F.No. 4 (1)-W&M/2009 17.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.90 per cent Government Stock, 2019
FNo.4 (1)-W&M/2009 F.No.4 (1)-W&M/2009 17.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.49 per cent Government Stock, 2015’
RBI/2009-2010/101 A.P. (DIR Series) Circular No.03 17.07.2009 Foreign Exchange Department Deferred Payment Protocols between GOI and erstwhile USSR All Authorised Dealer Category - I Banks
Ref.No.IDMD /180 /08.02.33/2009-10 10.07.2009 Internal Debt Management Department Auction of Government of India Dated Securities
F. No.4 (24)-W&M/2009 10.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘6.07 per cent Government Stock, 2014’
F. No.4 (23)-W&M/2009(ii) 10.07.2009 Internal Debt Management Department Auction for Sale (Re-issue ) of ‘7.40 per cent Government Stock, 2035'

Custom Date Facet

RBI-Install-RBI-Content-Global

રિઝર્વ બેંક ઑફ ઇન્ડિયા મોબાઇલ એપ્લિકેશન ઇન્સ્ટૉલ કરો અને લેટેસ્ટ ન્યૂઝનો ઝડપી ઍક્સેસ મેળવો!

અમારી એપ ઇન્સ્ટોલ કરવા માટે QR કોડ સ્કેન કરો.

Scan Your QR code to Install our app

Category Facet

category

Custom Date Facet

RBIPageLastUpdatedOn

પેજની છેલ્લી અપડેટની તારીખ: જૂન 20, 2025