SBI Reports Q4 Dip in Profit, Plans ₹25,000 Crore Equity Raise in FY26

India’s largest public sector bank, the State Bank of India (SBI), reported a 10% year-on-year decline in its standalone net profit for the fourth quarter of FY 2024–25, amounting to ₹18,643 crore. Despite this dip, the bank registered robust performance for the full financial year and announced strategic capital-raising plans and a dividend payout for shareholders.

Why in News?

SBI’s Q4 financial results for FY25 were released on May 3, 2025. The bank’s net profit for the January–March quarter fell compared to the same period last year, even as total income rose. The results are significant due to SBI’s central role in India’s financial system, and because the bank’s decisions on dividends and capital raising impact investors and market sentiment.

Key Highlights of SBI Q4 FY25 Results

  • Standalone Net Profit: ₹18,643 crore, down 10% from ₹20,698 crore in Q4 FY24.
  • Total Income (Standalone): ₹1,43,876 crore, up from ₹1,28,412 crore in the same quarter last year.
  • Interest Income: ₹1,19,666 crore vs ₹1,11,043 crore in Q4 FY24.
  • Consolidated Net Profit: ₹19,600 crore, down 8% from ₹21,384 crore in Q4 FY24.
  • Total Income (Consolidated): ₹1,79,562 crore vs ₹1,64,914 crore last year.

Asset Quality

  • Gross NPAs: Improved to 1.82% from 2.24% (YoY).
  • Net NPAs: Declined to 0.47% from 0.57% as of March-end 2024.

Annual Performance (FY25)

  • Annual Net Profit: ₹70,901 crore (up 16% YoY from ₹61,077 crore).
  • Dividend Declared: ₹15.90 per equity share for FY25.

Future Outlook

  • Equity Capital Raising Plan: Up to ₹25,000 crore in FY26 via QIP/FPO or other routes.
  • SBI Chairman’s Comment: The rate cut and policy stance change were termed “timely moves” to support economic activity.
Summary/Static Details
Why in the news? SBI Reports Q4 Dip in Profit, Plans ₹25,000 Crore Equity Raise in FY26
Q4 FY25 Standalone Profit ₹18,643 crore (↓10% YoY)
Total Income (Q4 Standalone) ₹1,43,876 crore (↑12%)
Gross NPA (Q4) 1.82% (vs 2.24% YoY)
Net NPA (Q4) 0.47% (vs 0.57% YoY)
FY25 Full-Year Net Profit ₹70,901 crore (↑16% YoY)

Shivam

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