STATE BANK OF INDIA (SBIN) - Forth quarterly result 2025
State Bank of India (SBI) reported its Q4 FY25 results on May 3, 2025, highlighting a mixed performance with a decline in net profit but improvements in asset quality and a record dividend declaration.
Key Financial Highlights (Q4 FY25)
- Net Profit: ₹18,643 crore, down 9.93% year-on-year (YoY) from ₹20,698 crore in Q4 FY24
- Net Interest Income (NII): ₹42,775 crore, an increase of 2.69% YoY.
- Net Interest Margin (NIM): Domestic NIM declined to 3.15% from 3.47% in Q4 FY24, a drop of 32 basis points.
- Operating Profit: ₹31,286 crore, up 8.83% YoY.
- Provisions: Total provisions increased to ₹12,643 crore from ₹8,049 crore in the same period last year.
Asset Quality
- Gross NPA Ratio: Improved to 1.82% from 2.24% YoY.
- Net NPA Ratio: Reduced to 0.47% from 0.57% YoY.
Dividend Announcement
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Dividend: Declared a final dividend of ₹15.90 per share for FY25, the highest in 12 years.
Full-Year FY25 Performance
- Net Profit: ₹70,901 crore, up 16.08% YoY.
- Operating Profit: ₹1,10,579 crore, an increase of 17.89% YoY.
Outlook
SBI aims for a loan growth of 12–13% in FY26, maintaining levels similar to the prior year due to uncertainties related to global tariffs.
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