In the SBI Q4 results, the leading public-sector bank reported a 10% YoY slump in standalone net profit to ₹18,643 crores. On a full-year basis, State Bank of India’s net profit jumped by 16% YoY to ₹70,901 crores in FY25.
On the SBI results date, i.e., on May 3, the SBI share price was at ₹800.00. On the next trading day, it closed with a fall of 1.25% at ₹790. In the last 5 years, the SBI share price has given over 363% returns.
SBI Q4 Results FY25: Key Highlights
- In Q4 SBI quarterly results, net interest income rose 2.69% to ₹42,775 crores in Q4 FY25 as compared to ₹41,655 crores in Q4 FY24.
- Net interest margin reduced by 32 bps to 3.15% in Q4 FY25 as against 3.47% in Q4 FY24.
- The bank’s credit growth stood at 12.03% YoY. Domestic advances grew at 11.56% YoY, and foreign offices’ advances rose by 14.84% YoY.
- Operating profit grew 8.83% YoY to ₹31,286 crores in the March 2025 quarter as compared with ₹28,748 crores posted in the corresponding quarter last year.
- The bank’s return on assets (ROA) for the quarter stood at 1.12% as against 1.36% in Q4 FY24.
- In Q4 FY25, the provision coverage ratio (PCR) improved by 60 bps YoY to 74.42%. Including advances under collection accounts (AUCA), the PCR improved by 19 bps YoY to 92.08%.
- Capital Adequacy Ratio (CAR) reduced by 3 bps YoY and stands at 14.25% in the SBI Q4 results.
- The slippage ratio was at 0.42%, declining by 1 bps YoY, while credit cost rose 2% to 0.39%.
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| Particulars (in ₹ Cr) | Q4 FY25 | Q4 FY24 | YoY Change |
|---|---|---|---|
| Net Profit | 18,643 | 20,698 | -10% |
| Net Interest Income | 42,775 | 41,655 | 3% |
| Loan Loss Provisions | 3,964 | 3,294 | 20% |
SBI Q4 Results: Full-Year Metrics
- As per the SBI Q4 results, total deposits grew 9.48% to ₹53,82,190 crores as on 31 March 2025 as against ₹49,16,077 crores as on 31 March 2024, out of which CASA deposits grew by 6.34% YoY.
- The CASA ratio slipped 114 bps to 39.97% as of 31 March 2025.
- The gross NPA ratio stood at 1.82% as of 31 March 2025, as against 2.24% as of 31 March 2024.
- The net NPA ratio stood at 0.47% as of 31 March 2025, as against 0.57% as of 31 March 2024.
| Particulars (in ₹ lakh Cr) | FY25 | FY24 | YoY Change |
|---|---|---|---|
| Gross Advances | 42.21 | 37.68 | 12% |
| Deposits | 53.82 | 49.16 | 9% |
| Gross NPA (%) | 1.82% | 2.24% | -0.42% |
| Net NPA (%) | 0.47% | 0.57% | -0.10% |
SBI Q4 Results: Dividend
State Bank of India (SBI) has declared a dividend of ₹15.90 per equity share for the financial year ending March 31, 2025. The record date for determining shareholders eligible to receive the dividend is Friday, May 16, 2025, and the payment date is set for May 30, 2025 (Friday).
So, open free Demat Account with SMC Global Securities to start your trading journey and stay updated with the Nifty 50 companies’ Q4 results.
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