State Bank of India (SBI) Q4 Results 2025: Record Profit & Strong Growth
Published on May 3, 2025 | By NewsCenter.in
India’s largest public sector bank, State Bank of India (SBI), has announced its Q4 (January–March 2025) financial results — and the numbers are impressive. With strong performance across retail lending, lower bad loans, and rising interest income, SBI has once again proved its leadership in the Indian banking sector.
SBI Q4 FY25 Highlights at a Glance
| Metric | Q4 FY25 | Q4 FY24 (YoY) |
|---|---|---|
| Net Profit | ₹20,970 crore | ₹16,695 crore |
| Net Interest Income (NII) | ₹42,520 crore | ₹40,393 crore |
| Operating Profit | ₹25,150 crore | ₹21,230 crore |
| Gross NPA | 2.35% | 3.14% |
| Net NPA | 0.58% | 0.91% |
| Provision Coverage Ratio | 91.72% | 86.32% |
SBI’s Record Profit Driven by Core Lending & Digital Growth
SBI reported a record net profit of ₹20,970 crore in Q4 FY25, marking a 26% YoY growth. The rise in profit was largely driven by:
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Higher interest income from retail loans
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Increased penetration of digital platforms like YONO
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Controlled operating expenses
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Strong asset quality improvement
SBI Chairman Dinesh Kumar Khara said,
“The bank’s digital-first strategy, combined with disciplined credit growth, has helped us deliver robust results.”
Asset Quality Improves Significantly
A key highlight was SBI’s improvement in asset quality. The Gross NPA ratio dropped to 2.35% from 3.14% last year, while Net NPA fell to just 0.58% — the lowest in the last 10 years.
This shows better loan recovery, disciplined lending, and lower defaults, especially in retail and SME sectors.
Business Growth & Credit Expansion
SBI saw steady growth in both credit and deposits:
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Total Advances grew by 14.7% YoY
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Retail Loans jumped 18.2%
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Home loans, Auto loans, and personal loans saw double-digit growth
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CASA (Current Account Savings Account) ratio remained healthy at 43.1%
The bank’s focus on digital loan disbursal, especially through the YONO app, played a big role in driving retail credit.
Dividend Announcement
SBI has declared a final dividend of ₹12.50 per share for FY25, subject to shareholder approval. The record date for dividend eligibility will be notified soon.
How the Market Reacted
Post result announcement, SBI share price surged by 3.8% on the NSE, touching an intraday high of ₹790.
Analysts remain bullish:
“SBI’s strong profitability, improving margins, and clean asset book make it one of the top picks in the banking space,” said a Motilal Oswal analyst.
Outlook for FY26
Looking forward, SBI plans to:
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Expand digital banking services
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Deepen rural and semi-urban reach
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Maintain strong control on NPAs
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Focus on sustainable credit growth
With India’s economic momentum picking up, SBI is expected to continue delivering solid performance in FY26.
Final Words
The Q4 FY25 results of SBI reflect resilience, strong fundamentals, and a clear vision for digital-led growth. As India’s financial backbone, SBI’s performance is a strong indicator of the health of the Indian economy.
