SBI Q4 FY25 Results: State Bank of India, the country’s largest lender by assets, on Saturday reported a net profit of Rs 18,643 crore for the quarter ended March 31, marking a decline of 9.9 per cent compared with the corresponding period a year ago. Its asset quality improved and margin remained steady sequentially.
Here are key things to know about SBI results:
SBI Q4 Earnings: Net interest income grows nearly 3%
The state-run lender’s net interest income (NII), or the difference between interest earned and interest paid, increased 2.7 per cent to Rs 42,775 crore, according to a regulatory filing.
The earnings met analysts’ expectations. According to Zee Business research, SBI was estimated to register a net profit of Rs 18,560 crore and a net interest income of Rs 42,740 crore for the final three months of FY25.
SBI Q4 Results: Margin expands
Its net interest margin (NII)—a key measure of profitability for lenders—remained steady sequentially at 3.15 per cent, according to the filing.
Deposits and advances, cost of funds…
The bank clinched an improvement of 77 basis points in its CASA ratio to 39.97 per cent on a quarter-on-quarter basis. A higher CASA ratio suggests better access to low-cost funds for lenders given they don’t have to pay interest on current account deposits.
Its gross loans increased 12 per cent while deposits grew 9.5 to Rs 42.21 lakh crore and Rs 53.82 lakh crore on a year-on-year basis, respectively.
State Bank of India announces 1,590% dividend
SBI declared a dividend of Rs 15.90 per share, marking a 1,590 per cent payout given the face value of Re 1 per equity share.
The lender announced May 16 and May 30 as the record and papayment dates for the dividend, respectively.
SBI Earnings Report | Asset quality improves
The PSU lender stages an improvement in its asset quality, captured as a sequential reduction in the proportion of bad loans in total loans.
SBI’s gross and net non-performing assets (NPAs) stood at 1.82 per cent and 0.47 per cent in the March quarter, as against 2.07 per cent and 0.53 per cent three months ago, respectively.
Its provisions were at Rs 6,442 crore for the quarter ended March 31, 2025, marking a significant increase from Rs 911 crore for the precious three months and Rs 1,610 crore for the quarter ended March 31, 2024.
SBI has plans to raise Rs 25,000 crore
The lender’s board gave the nod to a proposal to raise up to Rs 25,000 crore in one or more tranches during the current financial year through QIP, FPO and/or any other permitted mode subject to necessary approvals.
SBI shares
On Friday, the SBI stock rose 1.5 per cent to end at Rs 800.1 apiece on BSE, outperforming a 0.3 per cent spike in the headline Sensex index.
For the year so far, SBI shares are up 0.8 per cent while the 30-scrip gauge has risen 2.5 per cent.
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