Gross Income and Net Profit

In the fourth quarter of FY25, State Bank of India (SBI) recorded a standalone net profit of ₹18,643 crore. This was 10% less than the same time last year, when it was ₹20,698 crore. The main reason for this drop was bigger provisions for loan losses and other possible events.

The total income for the quarter went up from ₹1,28,412 crore to ₹1,43,876 crore.

Net interest income (NII) went up by 2.7% from the previous year to ₹42,775 crore.

Edges and Provisions

The net interest margin (NIM) for domestic activities dropped from 3.47% in Q4FY24 to 3.15%, which is 32 basis points less than the same time last year.

In the same quarter last year, total reserves were ₹8,049 crore. This quarter, they rose to ₹12,643 crore.

The amount set aside for loan losses went up by more than 20% year over year, to ₹3,964 crore.

Quality of Assets

The quality of the assets got better: the Gross Non-Performing Assets (NPA) ratio went down from 2.24% to 1.82%, and the Net NPA ratio went up from 0.57% to 0.47%.

It was 74.42% for the Provision Coverage Ratio (PCR).

The slippage ratio for Q4FY25 was 0.42%, which was slightly better than the same time last year.

Metrics for Growth

As of March 31, 2025, advances (loans) had grown by 12.03% year-over-year and were worth ₹42 trillion.

To ₹53.8 trillion, deposits went up by 9.48% year-over-year.

Personal loans for consumers and business loans grew by 11.4% and 9%, respectively. Home loans grew by 14.46%.

ALSO READ: TVS RTX 300 ADV: Important Indian Rivals

Planned Giving and Building

A payment of ₹15.90 per share was set by SBI’s board for FY25.

There are several ways the bank plans to get up to ₹25,000 crore in equity capital during FY26. These include a rights issue, a QIP, or an FPO.

Full-Year Account

SBI made a record net profit of ₹70,901 crore in FY25, which is 16% more than the previous year.

Adequacy of Capital

The ratio of capital to debt was 14.25% as of March 31, 2025.

Main Points

• Higher reserves hurt SBI’s Q4FY25 profit, even though income grew and asset quality got better.
• The bank’s advances and deposits are still growing quickly, and asset quality measures are getting much better.
• The dividend payment went up, and big plans are in place to raise money for the coming year.
• Even though margins are being squeezed, SBI is set up well for future growth thanks to better asset quality and a healthy capital situation.
• These figures show that SBI is still the biggest bank in India, even though it has to deal with margin pressures and rising provisions.