State Bank of India announced Q4FY25 results Q4FY25 Financial Highlights: Profitability: Operating Profit for FY25 crosses Rs 1 lakh crore and grew by 17.89% YoY to Rs 1,10,579 crore while Operating Profit for Q4FY25 grew by 8.83% YoY to Rs 31,286 crore. Net Profit for FY25 stands at Rs 70,901 crore witnessing a growth of 16.08% YoY. Net Profit for Q4FY25 stands at Rs 18,643 crore. Bank’s ROA and ROE for FY25 stand at 1.10% and 19.87% respectively. Net Interest Income (NII) for FY25 increased by 4.43% YoY. Whole Bank and Domestic NIM for FY25 stand at 3.09% and 3.22% respectively. Whole Bank and Domestic NIM for Q4FY25 stand at 3.00% and 3.15% respectively. Balance Sheet : Whole Bank Advances grew at 12.03% YoY, with Domestic Advances growing by 11.56% YoY. Whole Bank Advances cross Rs 42 lakh crore. Foreign Offices’ Advances grew by 14.84% YoY. SME Advances cross Rs 5 lakh crore, growth of 16.86% YoY, followed by Agri Advances which grew by 14.29% YoY while Retail Personal Advances and Corporate Advances registered YoY growth of 11.40% and 9.00% respectively. Whole Bank Deposits grew by 9.48% YoY. CASA Deposit grew by 6.34% YoY. CASA ratio stands at 39.97% as on 31 st March 25. Asset Quality: Gross NPA ratio at 1.82% improved by 42 bps YoY. Net NPA ratio at 0.47% improved by 10 bps YoY. PCR (incl. AUCA) improved by 19 bps YoY and stands at 92.08%. Provision Coverage Ratio (PCR) at 74.42% improved by 60 bps YoY. Slippage Ratio for FY25 improved by 7 bps YoY and stands at 0.55%. Slippage Ratio for Q4FY25 improved by 1 bp YoY and stands at 0.42%. Credit Cost for FY25 stands at 0.38%. Capital Adequacy: Capital Adequacy Ratio (CAR) as at the end of FY25 stands at 14.25%. Alternate Channels: 64% of SB accounts were acquired digitally through YONO. Share of Alternate Channels in total transactions increased from ~97.8% in FY24 to ~98.2% in FY25. Result PDF
Conference Call with State Bank of India Management and Analysts on Q4FY25 Performance and Outlook. Listen to the full earnings transcript.