Summary

State Bank of India (SBI) 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 net profit for FY25 stands at ₹70,901 crores, witnessing a growth of 16.08% YoY. 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 bank's gross NPA ratio at 1.82% improved by 42 bps YoY. The capital adequacy ratio (CAR) as at the end of FY25 stands at 14.25%.

Key Highlights

1. 1

   Operating Profit for FY25 crosses ₹1 lakh crore, growing by 17.89% YoY

2. 2

   Net Profit for FY25 grows by 16.08% YoY to ₹70,901 crores

3. 3

   Whole Bank Advances grow by 12.03% YoY with Domestic Advances growing by 11.56% YoY

4. 4

   Gross NPA ratio improves by 42 bps YoY to 1.82%

5. 5

   Capital Adequacy Ratio (CAR) stands at 14.25%