Kotak Mahindra Bank announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Consolidated PAT for Q4FY25 stood at Rs 4,933 crore (Rs 5,337 crore in Q4FY24). ROA for Q4FY25 (annualized) was 2.36%. ROE for Q4FY25 (annualized) was 12.90%. FY25 Financial Highlights: Consolidated PAT for FY25 increased to Rs 22,126 crore (including gain on divestment of KGI of Rs 3,013 crore) from Rs 18,213 crore in FY24, up 21% YoY At the consolidated level, Return on Assets (ROA) for FY25 was 2.73% (including gains on KGI) and 2.36% (excluding gains on KGI). Return on Equity (ROE) for FY25 was 15.19% (including gains on KGI) and 13.12% (excluding gains on KGI). Consolidated Networth as at March 31, 2025 was Rs 157,395 crore (including increase in reserves due to RBI’s Master Direction on investment valuation of Rs 5,630 crore and gain on KGI divestment of Rs 3,013 crore). The Book Value per Share as at March 31, 2025 was Rs 792, up 21% YoY from Rs 653 at March 31, 2024. Consolidated Customer Assets which comprises Advances (incl. IBPC & BRDS) and Credit Substitutes grew to Rs 537,860 crore as at March 31, 2025 from Rs 479,169 crore as at March 31, 2024, up 12% YoY. Total Assets Under Management as at March 31, 2025 grew to Rs 669,885 crore, up 20% YoY from Rs 560,140 crore as at March 31, 2024. The Domestic MF Equity AUM increased by 27% YoY to Rs 313,084 crore as at March 31, 2025. Consolidated Capital Adequacy Ratio as per Basel III as at March 31, 2025 was 23.3% and CET I ratio was 22.3%. Result PDF
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