SBI Q4 FY25 Results: A Mixed Bag of Growth, Challenges, and Strategic Moves
Introduction:
India’s largest lender, State Bank of India (SBI), reported its Q4 FY25 results showing a complex blend of profitability pressures and operational improvements.
Key Highlights:
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Net profit dipped 10% YoY to Rs 18,642.59 crore.
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Net Interest Income (NII) rose marginally by 2.7% YoY to Rs 42,774.55 crore.
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Net Interest Margin (NIM) for domestic operations declined to 3.15%.
Operational Performance:
Despite the profit dip, operating profit surged 8.83% YoY, reaching Rs 31,286 crore. This highlights a robust core banking performance amidst margin pressures.
Asset Quality Gains:
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Gross NPA at 1.82%, down 42 bps YoY.
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Net NPA at 0.47%, improving by 10 bps.
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Provision coverage improved to 74.42%.
Dividend and Capital Plans:
SBI declared a dividend of Rs 15.90 per share and revealed plans to raise up to Rs 25,000 crore via QIP, FPO, or other methods in FY26.
Conclusion:
While profit growth stumbled, SBI's asset quality and capital strategy present a cautiously optimistic outlook. Investors may want to watch for improvements in margin metrics and credit trends in the coming quarters.
Query Solved:
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