SBI vs PNB Q4 FY25 Results: ₹18,643 Crore vs ₹4,567 Crore Profit, ₹15.90 vs ₹2.90 Dividend

In Q4 FY25, SBI and PNB posted contrasting results, SBI's profit fell 10% to ₹18,643 crore, while PNB's surged 52% to ₹4,567 crore. Both banks announced dividends and fundraising plans, reflecting strong growth strategies and investor focus. In this article, let’s learn how these 2 PSU giants performed across key financial metrics and what it means for investors. 

SBI Q4 FY25 Earnings Results

State Bank of India (SBI), India’s largest lender, reported a 10% drop in standalone net profit at ₹18,643 crore for the quarter ended March 31, 2025, compared to ₹20,698 crore in the same period last year. Despite this dip, SBI declared a dividend of ₹15.90 per share for FY25.

• Total income rose to ₹1.43 lakh crore from ₹1.28 lakh crore a year ago.
• Interest income also increased to ₹1.19 lakh crore from ₹1.11 lakh crore.
• On a consolidated basis, net profit dropped 8% YoY to ₹19,600 crore.
• Gross NPAs fell to 1.82% from 2.24% YoY.
• Net NPAs improved to 0.47% from 0.57%.

SBI’s board also approved raising up to ₹25,000 crore in FY26 through QIP, FPO, or other methods.

PNB Q4 FY25 Earnings Results

Punjab National Bank (PNB) posted an impressive 51.7% YoY rise in standalone net profit at ₹4,567 crore in Q4 FY25, up from ₹3,010 crore a year earlier. On a quarterly basis, the profit was up 1.3%.

• Net interest income (NII) grew 3.8% YoY to ₹10,757 crore.
• Gross NPA ratio improved to 3.95%, down from 5.73% YoY.
• Net NPA ratio dropped to 0.40% from 0.73%.
• Dividend of ₹2.90 per share was announced.
• Fundraising plan of ₹8,000 crore approved via Basel III bonds.

PNB also reported healthy growth in business:

• Global deposits rose 14% YoY to ₹15.66 lakh crore.
• Global advances grew 13.56% YoY to ₹11.17 lakh crore.

SBI vs PNB: Q4 FY25 Comparison

About Punjab National Bank (PNB)

Punjab National Bank (PNB) is a public sector bank owned by the Government of India and headquartered in New Delhi. Established in May 1894, the bank operates 10,189 branches and 11,822 ATMs across the country as of March 2025. PNB also has an international presence with a banking subsidiary in the United Kingdom and branches in Hong Kong, Kowloon, Dubai, and Kabul.

About State Bank of India (SBI)

State Bank of India (SBI) is a multinational, government-owned public sector bank headquartered in Mumbai. It stands as the largest bank in India, holding around 23% of the country’s total banking assets and commanding a 25% share in both loans and deposits. With a workforce of nearly 2.5 lakh, SBI is also among the top ten employers in India.

Read More: JSW Steel Q1 Profit Surges to ₹2,184 Crore on Lower Expenses and Margin Expansion!

SBI vs PNB Share Price Comparison

State Bank of India share price is currently trading at ₹820.05 as of July 23. Over the past month, the stock has increased by ₹29.85, reflecting a gain of 3.78%. In the last 6 months, it has risen by ₹74.15, marking a 9.94% growth. Most notably, over the past 5 years, the share price has surged by ₹628.10, delivering a substantial return of 327.22%.

Punjab National Bank share price is currently trading at ₹109.86 as of July 23. Over the past month, the stock has gained ₹5.95, reflecting a 5.73% increase. In the last 6 months, it has risen by ₹10.43, marking a 10.49% growth. Over the past 5 years, the share price has surged by ₹76.31, delivering a strong return of 227.45%.

Conclusion

SBI remains strong in income and asset quality despite a profit dip, while PNB shows impressive growth and sharper NPA reduction. Investors in both banks benefit from dividends and capital expansion moves, with solid long-term stock returns adding to the appeal.

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

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