🏦 SBI Q4 & FY25 Result Update: Strong Profit Growth Amidst Stable Asset Quality

📌 Key Highlights

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  ✅ Consolidated Net Profit for Q4FY25 surged to ₹21,384 Cr, up 24.4% YoY.

  
  


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  ✅ FY25 Consolidated Profit stood at ₹73,374 Cr, up 20.6% YoY, a record high.

  
  


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  ✅ Gross Advances rose 15.2% YoY to ₹37.67 lakh Cr.

  
  


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  ✅ GNPA ratio improved to 2.24% in Q4FY25 vs 2.42% in Q3FY25 and 2.78% in Q4FY24.

  
  


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  ✅ Strong growth in Retail Loans (18.7%) and Corporate Loans (16.7%) YoY.

  
  


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  ✅ Net Interest Income (NII) for FY25 rose to ₹1,55,987 Cr from ₹1,38,443 Cr in FY24.

  
  


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  ✅ Board declared dividend of ₹13.70 per share.

  
  


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  📈 SBI remains the largest lender in India with a growing digital footprint and robust CASA base.

  
  

🔢 Segmental Performance – FY25

📊 Financial Performance

🔹 Advances Growth

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  Q4FY25 Advances: ₹37.67 lakh Cr vs ₹32.70 lakh Cr in Q4FY24 – up 15.2% YoY.
  
  
  

  
  


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  FY25 Overall Advances grew across retail, SME, and corporate segments, supported by strong credit demand and stable interest rate environment.

  
  

🔹 Consolidated Revenue Growth

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  Q4FY25 Revenue: ₹1,38,916 Cr vs ₹1,06,887 Cr in Q4FY24 – up 30% YoY.
  
  
  

  
  


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  FY25 Total Income: ₹4,69,982 Cr vs ₹3,99,629 Cr – up 17.6% YoY .
  
  
  

  
  

🔹 Consolidated Profit Growth

🛡️ Asset Quality

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  Consistent improvement in asset quality supported by prudent underwriting and robust provisioning.

  
  

🧮 Key Ratios (FY25)

🔸 Solvency, Liquidity & Profitability

🔸 Valuation Metrics (CMP ₹800)

🧭 Outlook

📈 Near-Term Outlook

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  Stable interest rate regime, strong loan demand, and consistent CASA growth to support NIMs.

  
  


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  Continued digital transformation and focus on retail/SME lending may sustain growth momentum.

  
  

🌐 Long-Term Outlook

SBI is well-positioned to benefit from India’s rising credit cycle, growing formalization of the economy, and financial inclusion.

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  Asset quality trajectory and operational efficiency to drive long-term ROE expansion and market re-rating potential.

  
  🔍 Disclosure

This blog post is intended for informational and educational purposes only. It does not constitute investment advice or a recommendation. All data is derived from SBI’s official filings and investor presentations .