SBI (State Bank of India)'s Q4FY25 Quarter Results
- 1d ago
Result Summary
- SBI (State Bank of India) reported a 1.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 20.5%.
- Its expenses for the quarter were down by 4.7% QoQ and up 21.9% YoY.
- The net profit increased 14.0% QoQ and increased 18.3% YoY.
- The earnings per share (EPS) of SBI (State Bank of India) stood at 24 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 164914.36 | 167853.57 | 136852.39 | -1.8% | 20.5% |
Total Expenses | 133670.97 | 140288.98 | 109622.29 | -4.7% | 21.9% |
Provisions & contingencies | 2391.53 | 1998.19 | 3794.53 | 19.7% | -37.0% |
Profit Before Tax | 28851.86 | 25566.40 | 23435.57 | 12.9% | 23.1% |
Tax | 7115.39 | 6391.05 | 5092.32 | 11.3% | 39.7% |
Profit After Tax | 22202.73 | 19483.78 | 18768.76 | 14.0% | 18.3% |
Earnings Per Share | 24.00 | 21.10 | 20.30 | 13.7% | 18.2% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
State Bank of India (SBI) is a government-owned corporation providing a wide range of banking and financial services. As the largest bank in India, it offers a variety of services including personal banking, corporate banking, investment banking, and insurance. SBI operates in the public sector and plays a significant role in the Indian economy, serving a vast customer base with an extensive network of branches and ATMs across the country. The bank is known for its comprehensive suite of financial products that cater to individual and corporate needs. While specific recent major developments are not provided in the data, SBI's operations are influenced by broader economic trends and government policies affecting the banking sector.
Revenue
In the fourth quarter of fiscal year 2025 (Q4FY25), SBI reported total income of ₹164,914.36 crores, representing a 20.5% increase compared to the same quarter last year (Q4FY24). However, there was a 1.8% decrease in total income compared to the previous quarter (Q3FY25). This quarterly decline contrasts with the year-on-year growth, which reflects the bank's overall positive revenue trajectory over the past year. The total income comprises various revenue streams, including interest income, fees, and other financial services, though the specific breakdown is not available in the provided data.
Profitability
SBI's profitability metrics for Q4FY25 showcase a strong performance with a profit before tax (PBT) of ₹28,851.86 crores, marking a 23.1% year-over-year increase and a 12.9% quarter-over-quarter rise. The profit after tax (PAT) was ₹22,202.73 crores, up 18.3% from Q4FY24 and 14.0% from Q3FY25. This growth in profitability is supported by an effective management of expenses, as total expenses decreased by 4.7% QoQ, despite a 21.9% YoY increase. The tax expenses for Q4FY25 were ₹7,115.39 crores, which increased by 11.3% QoQ and 39.7% YoY. Earnings per share (EPS) for the quarter stood at ₹24.00, reflecting a 18.2% increase from the previous year and a 13.7% increase from the previous quarter.
Operating Metrics
The operating metrics for SBI in Q4FY25 indicate significant developments in provisions and contingencies, which increased by 19.7% compared to the previous quarter (Q3FY25) but decreased by 37.0% compared to the same quarter last year (Q4FY24). This suggests a notable shift in the bank's provisioning strategy over the year. The reduction in provisions on a year-over-year basis may reflect changes in asset quality or risk management approaches. Although specific key financial ratios such as the P/E ratio, debt-to-equity ratio, or current ratio are not directly available from the given data, the underlying financial health and operational efficiency are implied through the significant improvements in profitability and income metrics.
