SBI Q4 results: Profit Declines 10% YoY to ₹18,642.59 Cr Despite NII Growth

SBI Q4 results FY25 : Net Profit Drops 10% YoY to ₹18,642.Fifty nine Cr; Dividend Announced at ₹15.90 Per Share

India’s biggest public zone lender, the State Bank of India (SBI), suggested a 10% year-on-year (YoY) decline in net profit for the fourth quarter of FY25, amounting to ₹18,642.59 crore. This is a drop from ₹20,698.35 crore recorded in the same area last year. Despite the earnings decline, SBI published a moderate increase in net interest income (NII), which rose 2.7% YoY to ₹42,774.55 crore.

The Net Interest Margin (NIM) for the home ebook skilled a first rate contraction, falling 32 basis points YoY to 3.15% from 3.47% in Q4FY24. This decline in NIM displays strain on margins amid rising price of funds and adjustments in lending patterns. SBI Q4 results

In a nice development for shareholders, SBI announced a dividend of ₹15.90 per share, reinforcing investor self-belief despite the dip in profits. SBI Q4 results

On the operational front, SBI introduced an 8.83% YoY boom in operating income, which stood at ₹31,286 crore compared to ₹28,748 crore in the corresponding period of the preceding 12 months. However, the financial institution saw a 20.35% growth in loan loss provisions, achieving ₹3,964 crore in Q4FY25, up from ₹3,294 crore in Q4FY24.

SBI Q4 results Review

The financial institution’s first-class assets have shown marked improvement. The gross Non-Performing Assets (NPA) ratio fell to one.82%, a YoY improvement of 42 basis points. The internet NPA ratio additionally improved to zero.47%, down by 10 basis points YoY. Furthermore, SBI said a better provision coverage ratio at 74.42%, an upward push of 60 basis points from the preceding year.

The slippage ratio – a key metric that shows new horrific loans – also improved appreciably. For FY25, the slippage ratio stood at 0.Fifty five%, a 7 basis point YoY improvement. For Q4FY25 especially, it stood at zero.Forty two%, displaying a 1 foundation point improvement YoY.

SBI’s credit score price for FY25 remained low at 0.38%, suggesting sturdy credit control. Meanwhile, the bank’s capital adequacy ratio (CAR) as of March 31, 2025, changed into mentioned at 14.25%, indicating a healthy capital buffer to help future growth and risk management.

In an ahead-looking move, SBI’s board accepted plans to elevate fairness capital of up to ₹25,000 crore in the course of FY26. The capital can be raised via one or more tranches through methods together including Qualified Institutional Placement (QIP), Follow-on Public Offer (FPO), preferential allotment, or rights issue. The purpose is to support growth, maintain capital adequacy, and meet regulatory requirements. SBI Q4 results

Following the earnings declaration, SBI stocks closed 1.5% higher at ₹800.05 at the Bombay Stock Exchange (BSE) on Friday, reflecting a cautiously optimistic investor sentiment. SBI Q4 results

SBI’s results signal steady operational performance and strong asset exceptional, whilst earnings margins face pressure. With a strong dividend payout and ahead capital-raising plans, India’s banking sector maintains to bolster its long-term boom trajectory.

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