📊 SBI Q4 Results 2025: India’s Largest Bank Posts ₹70,900 Cr Net Profit

State Bank of India (SBI), the country’s largest lender, has published its audited financial results for the fourth quarter and full year ending March 31, 2025. From income growth to NPA performance and EPS expansion, this report gives us a close look at the financial engine behind one of India’s most systemically important banks.

If you’re a stock market investor, mutual fund analyst, financial content reader, or even just curious about India’s banking sector, this breakdown will help you understand what the SBI FY25 numbers really mean.

🏦 SBI Q4 FY25 – Snapshot at a Glance (Standalone)

Key Metric	Q4 FY25	YoY Change
Net Profit	₹18,642.59 Cr	Up from ₹16,694.41 Cr
Total Income	₹1,43,876.76 Cr	+11.6% YoY
Operating Profit	₹31,286.04 Cr	+9.7% YoY
Net Interest Income (NII)	₹85,709.69 Cr	From ₹83,626.77 Cr
Provisions & Contingencies	₹6,642.24 Cr	Lower YoY
Earnings Per Share (EPS)	₹20.89	From ₹18.93

These numbers may seem like just figures, but they speak volumes about the size, stability, and scale of SBI’s banking operations across India.

📅 FY25 Full-Year Performance – How Did SBI Do?

For the entire financial year 2024-25, SBI reported:

Total Income: ₹4,73,867.82 Cr
Net Profit: ₹70,900.63 Cr
Net Interest Income: ₹3,10,662.97 Cr
Operating Profit (Before Provisions): ₹1,10,597.19 Cr
EPS (Basic): ₹79.44

This performance reflects how SBI has sustained earnings across multiple interest cycles and macroeconomic shifts. The bank’s return ratios, including ROA and ROE, remain in line with large private peers – something increasingly tracked by both FIIs and retail investors.

🔍 Asset Quality: What’s Behind the Numbers?

One of the key metrics investors and analysts watch is asset quality, and here’s how SBI stacks up:

Asset Quality Metric	FY25 Value
Gross NPA Ratio	2.24%
Net NPA Ratio	0.57%
Provision Coverage Ratio	~75%
Net NPAs (₹ Cr)	₹21,377.64

Despite operating in a volatile credit environment, SBI’s provisioning strategy and recoveries have helped it maintain sub-1% Net NPA levels — a notable achievement for a bank of this size.

📈 Consolidated View: SBI Group Overview

On a consolidated basis (including subsidiaries like SBI Life, SBI Cards, etc.):

Total Income: ₹6,03,443.38 Cr
Net Profit: ₹79,017.16 Cr
Consolidated EPS: ₹86.91

This multi-business earnings stream highlights SBI’s strength not just as a bank, but as a full-fledged financial conglomerate – something that’s often compared with HDFC Group or ICICI Group in market narratives.

📉 What’s the Market Reaction?

As of this publication, analysts are closely watching:

SBI stock price movement post-results
NII trajectory in light of RBI policy
Growth in retail vs corporate loans
Digital initiatives like YONO and SBI’s fintech presence

Market reaction will also depend on macro data, credit growth across sectors, and commentary from the management post-results. Since the markets were closed when the results came out, The reaction of the market forces will be seen on Monday.

🔍Focused Quick Facts:

SBI Q4 2025 Net Profit: ₹18,642 Cr
SBI FY25 Total Income: ₹4.73 Lakh Cr
SBI FY25 EPS: ₹79.44
SBI Gross NPA: 2.24%
SBI FY25 Consolidated Net Profit: ₹79,017 Cr

🎯 Final Thoughts: Why This Matters

These results are more than just numbers — they reflect India’s banking sector health, credit growth trends, and how public sector banks are competing with private giants.

Whether you’re tracking SBI’s share price, monitoring its dividend performance, or simply trying to understand how India’s financial system is evolving, the FY25 results provide useful signals.

💬 Join the Conversation:

What do you think about SBI’s FY25 results? Will PSU banks continue their comeback story? Drop your thoughts below or follow us for more such data-backed updates.

Disclaimer: This Blog is only written for educational purposes and does not offer any Buy/Sell/Hold Advice. Kindly do your own research before investing.