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.

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SBI Q4 FY25 Highlights at a Glance

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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:

• Higher interest income from retail loans

• Increased penetration of digital platforms like YONO

• Controlled operating expenses

• 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.”

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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.

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Business Growth & Credit Expansion

SBI saw steady growth in both credit and deposits:

• Total Advances grew by 14.7% YoY

• Retail Loans jumped 18.2%

• Home loans, Auto loans, and personal loans saw double-digit growth

• 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.

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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.

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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.

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Outlook for FY26

Looking forward, SBI plans to:

• Expand digital banking services

• Deepen rural and semi-urban reach

• Maintain strong control on NPAs

• Focus on sustainable credit growth

With India’s economic momentum picking up, SBI is expected to continue delivering solid performance in FY26.

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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.