SBIN Share Price in Focus on May 5; FY25 Net Profit Up 16%; ₹15.90 Dividend Announced

State Bank of India (SBI), announced its financial results for the quarter and full year ended March 31, 2025. 

Post the announcement, on May 5, 2025, State Bank of India share price (NSE: SBIN) opened at ₹782.00, down from its previous close of ₹800.00. At 9:35 AM, the share price of SBIN was trading at ₹784.60, down by 1.92% on the NSE. 

Profitability Growth 

SBI reported an operating profit of ₹1,10,579 crore for FY25, registering a 17.89% year-on-year (YoY) growth and crossing the ₹1 lakh crore mark for the first time. For the fourth quarter (Q4FY25), the operating profit stood at ₹31,286 crore, up 8.83% YoY. 

The net profit for FY25 came in at ₹70,901 crore, reflecting a YoY growth of 16.08%, while Q4FY25 net profit stood at ₹18,643 crore. Return on Assets (ROA) improved to 1.10% and Return on Equity (ROE) stood at a healthy 19.87%, indicating improved profitability. 

Net Interest Income (NII) for FY25 rose by 4.43% YoY. 

Advances and Deposit Growth 

SBI’s total advances crossed ₹42 lakh crore in FY25, with a 12.03% YoY growth in the whole bank advances. Domestic advances rose 11.56% YoY, while advances from foreign offices grew by 14.84%. 

Among loan segments, SME advances grew the fastest at 16.86% YoY, crossing the ₹5 lakh crore mark. Agri advances followed with 14.29% YoY growth, while retail personal and corporate advances rose 11.40% and 9.00% YoY, respectively. 

Total deposits grew 9.48% YoY, with CASA deposits up 6.34% YoY. CASA ratio stood at 39.97% as of March 31, 2025. 

Asset Quality and Capital Position 

SBI’s asset quality improved during the year. Gross NPA ratio declined to 1.82%, an improvement of 42 basis points (bps) YoY, while Net NPA ratio improved by 10 bps YoY to 0.47%. 

The Capital Adequacy Ratio (CAR) stood at 14.25%, reflecting the bank’s strong capital base to support future growth. 

Digital Banking and Alternate Channels 

SBI continued its digital transformation, with 64% of savings bank accounts acquired through its YONO platform. Alternate channels contributed ~98.2% of total transactions in FY25, up from ~97.8% in FY24, indicating growing digital adoption. 

Also Read: SBI Plans to Raise ₹25,000 Crore Via QIP/FPO in FY26! 

SBI Declares Final Dividend of ₹15.90 Per Share for FY25 

State Bank of India has announced a final dividend of ₹15.90 per equity share (face value ₹1 each), translating to 1590% of the face value, for the financial year ended March 31, 2025.  

The record date to determine the eligibility of shareholders for this dividend is set as Friday, May 16, 2025. In accordance with Regulation 10(1) of the SBI General Regulations, 1955, the register of members will remain closed from May 17, 2025 (Saturday) to May 19, 2025 (Monday), both days inclusive, for the purpose of dividend distribution. The dividend will be paid on May 30, 2025. 

Conclusion 

SBI posted its performance in FY25, driven by record profitability, improved asset quality, and solid growth in advances. 

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