SBI Q4 FY25: State Bank of India (SBI), the country’s largest public sector bank, has released the results for the fourth quarter (January-March) of FY 2025. In these results, the performance of the bank was somewhat mixed, but strength was seen in many areas
First of all, talking about profit, the net profit of the bank has decreased slightly in this quarter. In the same quarter last year, the bank had earned a profit of ₹ 20,698 crores, which has now come down to ₹ 18,643 crores. That is, there has been a decline of about 9.93%. The reason for this may be rising costs and higher provisions, which the bank has made keeping in mind future risks.
However, a good thing is that the Net Interest Income (NII) of the bank has increased to ₹ 42,775 crores from ₹ 41,655 crores last year. This is a growth of 2.69%, which shows that the bank’s earnings from lending and investment have been good.
The bank has also given a big gift to its investors this quarter. SBI has announced a dividend of ₹ 15.90 on a share with a face value of ₹ 1. This amounts to a dividend of 1590%, which shows that the bank’s financial base is strong and it wants to give good returns to its shareholders.
SBI has also registered an 8.8% increase in operating profit, which has now reached ₹ 31,286 crores. However, provisions increased by 20.4% and reached ₹ 3,964 crores, which clearly shows that the bank is being cautious.
Another important positive aspect is that the bad loan situation of the bank has improved. The bank’s gross NPA (GNPA) has come down from 2.24% to 1.82%, and net NPA (NNPA) has also come down from 0.57% to 0.47%. This effect was also seen in the stock market on Friday and SBI shares closed at ₹ 800.05, up 1.51%.
Although SBI’s net profit has declined slightly, other areas have shown strength. Increasing NII, good dividend, better NPA figures and positive response from the stock market indicate that the bank’s position is strong. Investors should analyze all aspects and plan ahead.