A unified and harmonized supervisory approach has been adopted for commercial banks, NBFCs, and urban cooperative banks (UCBs), with a greater focus on identifying the root causes of vulnerabilities. 3/5  BIS - Central bankers' speeches  11. The Reserve Bank has deployed a wide array of tools to enhance the effectiveness of Supervisory frameworks.
These include an Early Warning System, Stress Testing models, Vulnerability Assessments, Cyber Key Risk Indicators, conduct of Phishing and Cyber Reconnaissance exercises, targeted evaluation of compliance with KYC/AML norms, Micro-Data Analytics to analyse granular data, among others.