SBI Reports Q4FY25 Results: Operating Profit Crosses ₹1 Lakh Crore, Net Profit Grows by 16.08% YoY

State Bank of India (SBI), one of the largest public sector banks in India, has reported its financial results for the quarter and year ended 31.03.2025. The bank's operating profit for FY25 crossed ₹1 lakh crore, growing by 17.89% YoY to ₹1,10,579 crores. The operating profit for Q4FY25 grew by 8.83% YoY to ₹31,286 crores. The net profit for FY25 stands at ₹70,901 crores, witnessing a growth of 16.08% YoY. The net profit for Q4FY25 stands at ₹18,643 crores. The bank's ROA and ROE for FY25 stand at 1.10% and 19.87% respectively. The net interest income (NII) for FY25 increased by 4.43% YoY. The whole bank and domestic NIM for FY25 stand at 3.09% and 3.22% respectively. The whole bank and domestic NIM for Q4FY25 stand at 3.00% and 3.15% respectively. The bank's whole bank advances grew by 12.03% YoY with domestic advances growing by 11.56% YoY. The foreign offices’ advances grew by 14.84% YoY. The bank's gross NPA ratio at 1.82% improved by 42 bps YoY. The net NPA ratio at 0.47% improved by 10 bps YoY. The provision coverage ratio (PCR) at 74.42% improved by 60 bps YoY. The slippage ratio for FY25 improved by 7 bps YoY and stands at 0.55%. The credit cost for FY25 stands at 0.38%. The capital adequacy ratio (CAR) as at the end of FY25 stands at 14.25%. 64% of SB accounts were acquired digitally through YONO.