SBI Results Analysis

Q4FY25 – NII (Net Interest income) Rs. 42,775 Cr. 2.69% Growth YoY, Operating Income Rs. 66,985 Cr. 13.49% Growth YoY, Operating Profit Rs. 31,286 Cr. 8.83% Growth YoY, Net Profit Rs. 18,643 Cr. 9.93% Negative Growth YoY. FY25 – NII (Net Interest income) Rs. 1,66,965 Cr. 4.43% Growth YoY, Operating Income Rs. 2,28,648 Cr. 8.08% Growth YoY, Operating Profit Rs. 1,10,579 Cr. 17.89% Growth YoY (Driven by efficiency in Operating income and contained Operating expenses), Net Profit Rs. 70,901 Cr. 16.08% Growth YoY. Gross NPA 1.82% improved by 42 bps YoY, Net NPA 0.47% improved by 10 bps YoY, Return on Assets 1.10% up 6 bps YoY.