State Bank of India Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Mar'19

Interest Earned

4,62,489.35

4,15,130.66

3,32,103.06

2,75,457.29

2,65,150.63

2,57,323.59

2,42,868.65

Income On Investments

1,15,031.34

1,08,640.51

95,928.27

84,877.20

79,808.09

68,204.72

74,406.16

Interest On Balances With Rbi Other Inter Bank Funds

4,416.01

5,090.19

3,491.01

4,377.91

4,317.53

2,920.40

1,179.07

Interest / Discount On Advances / Bills

3,30,626.97

2,88,038.24

2,21,400.65

1,71,823.73

1,71,429.14

1,79,748.84

1,61,640.23

Others

12,415.03

13,361.72

11,283.13

14,378.45

9,595.87

6,449.63

5,643.19

Other Income

61,683.06

51,682.16

36,615.60

40,563.91

43,496.37

45,221.48

36,774.89

Total Income

5,24,172.41

4,66,812.82

3,68,718.66

3,16,021.20

3,08,647.00

3,02,545.07

2,79,643.54

Interest Expended

2,95,524.22

2,55,254.83

1,87,262.56

1,54,749.70

1,54,440.63

1,59,238.77

1,54,519.78

Net Interest Income

1,66,965.13

1,59,875.83

1,44,840.50

1,20,707.59

1,10,710.00

98,084.82

88,348.87

Total Expenditure (Excl Depreciation)

1,18,069.02

1,17,760.81

97,743.13

85,979.13

82,652.22

75,173.69

69,687.73

Employee Cost

64,352.24

71,236.98

57,291.84

50,143.60

50,936.00

45,714.97

41,054.71

Other Operating Expenses

53,716.78

46,523.83

40,451.29

35,835.53

31,716.22

29,458.72

28,633.02

Operating Profit Before Provisions and Contingencies

1,10,579.17

93,797.18

83,712.97

75,292.37

70,014.42

61,916.97

53,875.48

Exceptional Items

0.00

Provisions and contingencies

15,307.90

4,914.22

16,507.33

24,452.13

44,013.03

43,069.85

53,828.55

Profit Before Tax

95,271.27

81,782.96

67,205.64

43,421.85

27,541.12

25,062.76

1,607.48

Tax

24,370.64

20,706.34

16,973.19

11,745.87

7,130.65

10,574.65

745.25

Profit After Tax

70,900.63

61,076.62

50,232.45

31,675.98

20,410.47

14,488.11

862.23

Extraordinary Items

0.00

-5,302.38

0.00

-5,411.67

1,141.08

3,593.09

837.06

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

70,900.63

66,379.00

50,232.45

37,087.65

19,269.39

10,895.02

25.17

Face Value

1.0

Reserves

4,12,914.04

3,48,798.42

2,98,959.73

2,55,817.73

2,29,405.38

2,07,352.30

1,95,367.42

Earnings per share (EPS)

79.44

68.44

56.29

35.49

22.87

16.23

0.97

Diluted Earnings per share

79.44

76.39

56.29

43.8

21.14

16.23

-0.78

Operating Profit Margin (Excl OI)

71.16%

68.74%

65.6%

57.22%

52.23%

54.05%

49.14%

Gross Profit Margin

20.6%

19.7%

20.24%

15.76%

10.39%

9.74%

0.66%

PAT Margin

15.33%

14.71%

15.13%

11.5%

7.7%

5.63%

0.36%

Net Interest Margin

3.09%

3.28%

3.37%

3.12%

3.04%

3.19%

2.95%

Return on Assets

0.0%

CASA (%)

39.97%

41.11%

48.3%

45.28%

46.13%

45.16%

45.74%

CASA Amount

20,65,161.00

19,41,996.00

18,62,904.00

17,75,084.00

16,46,974.00

14,10,981.00

12,87,285.00

Capital Adequacy Ratio (Total)

14.25%

14.28%

14.68%

13.83%

13.74%

13.06%

12.72%

Capital Adequacy Ratio (Tier 1)

12.11%

11.93%

12.06%

11.42%

11.44%

11.0%

10.65%

Provision Coverage Ratio (%)

74.42%

75.02%

76.39%

75.04%

87.75%

83.62%

78.73%

Amount of Gross NPAs

76,880.20

84,276.33

90,927.78

1,12,023.37

1,26,389.02

1,49,091.85

1,72,750.36

Amount of Net NPAs

19,666.92

21,051.08

21,466.64

27,965.71

36,809.72

51,871.30

65,894.74

% of Net NPAs

0.47%

0.57%

0.67%

1.02%

1.5%

2.23%

3.01%

% of Gross NPAs

1.82%

2.24%

2.78%

3.97%

4.98%

6.15%

7.53%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

63791.0

63580.0

65627.0

65000.0

62617.0

58555.0

58415.0

Number of Branches

22937.0

22542.0

22405.0

22266.0

22219.0

22141.0

22010.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2025 is 11.41% vs 25.0% in Mar 2024

Net Profit

YoY Growth in year ended Mar 2025 is 6.81% vs 32.14% in Mar 2024

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2025 is 17.89% vs 12.05% in Mar 2024

% of Net NPAs

YoY Growth in year ended Mar 2025 is -0.10% vs -0.10% in Mar 2024

% of Gross NPAs

YoY Growth in year ended Mar 2025 is -0.42% vs -0.54% in Mar 2024

Compare Annual Results Of SBI With

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Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

4,62,489.35

1,22,300.61

3,40,188.74

278.16%

Income On Investments

1,15,031.34

25,948.76

89,082.58

343.3%

Interest On Balances With Rbi Other Inter Bank Funds

4,416.01

1,756.37

2,659.64

151.43%

Interest / Discount On Advances / Bills

3,30,626.97

93,050.88

2,37,576.09

255.32%

Others

12,415.03

1,544.60

10,870.43

703.77%

Other Income

61,683.06

15,788.36

45,894.70

290.69%

Total Income

5,24,172.41

1,38,088.97

3,86,083.44

279.59%

Interest Expended

2,95,524.22

75,782.96

2,19,741.26

289.96%

Net Interest Income

1,66,965.13

46,517.65

1,20,447.48

258.93%

Total Expenditure (Excl Depreciation)

1,18,069.02

29,871.38

88,197.64

295.26%

Employee Cost

64,352.24

16,607.64

47,744.60

287.49%

Other Operating Expenses

53,716.78

13,263.74

40,453.04

304.99%

Operating Profit Before Provisions and Contingencies

1,10,579.17

32,434.63

78,144.54

240.93%

Exceptional Items

0.00

Provisions and contingencies

15,307.90

5,980.25

9,327.65

155.97%

Profit Before Tax

95,271.27

26,454.38

68,816.89

260.13%

Tax

24,370.64

6,873.23

17,497.41

254.57%

Profit After Tax

70,900.63

19,581.15

51,319.48

262.09%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

70,900.63

19,581.15

51,319.48

262.09%

Face Value

1.00

2.00

0.00

Reserves

4,12,914.04

1,26,419.83

2,86,494.21

226.62%

Earnings per share (EPS)

79.44

37.82

41.62

110.05%

Diluted Earnings per share

79.44

37.86

41.58

109.83%

Operating Profit Margin (Excl OI)

71.16%

70.69%

0.00

0.47%

Gross Profit Margin

20.60%

21.63%

0.00

-1.03%

PAT Margin

15.33%

16.01%

0.00

-0.68%

Net Interest Margin

3.09%

3.08%

0.01

0.01%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

39.97%

0.00

0.00%

CASA Amount

20,65,161.00

4,96,462.00

15,68,699.00

315.98%

Capital Adequacy Ratio (Total)

14.25%

17.19%

-2.94

-2.94%

Capital Adequacy Ratio (Tier 1)

12.11%

14.79%

-2.68

-2.68%

Provision Coverage Ratio (%)

74.42%

9.29%

65.13

65.13%

Amount of Gross NPAs

76,880.20

27,834.88

49,045.32

176.2%

Amount of Net NPAs

19,666.92

6,994.24

12,672.68

181.19%

% of Net NPAs

0.47%

0.58%

-0.11

-0.11%

% of Gross NPAs

1.82%

2.26%

-0.44

-0.44%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

63,791.00

0.00

63,791.00

Number of Branches

22,937.00

0.00

22,937.00

Annual - Interest Earned

Interest Earned 462489.35 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 11.41% vs 25.0% in Mar 2024

Annual - Net Profit

Net Profit 70,900.63 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 6.81% vs 32.14% in Mar 2024

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,10,579.17 Cr

in Mar 2025

Figures in Cr

YoY Growth in year ended Mar 2025 is 17.89% vs 12.05% in Mar 2024

Annual - % of Net NPAs

% of Net NPAs 0.47%

in Mar 2025

Figures in %

YoY Growth in year ended Mar 2025 is -0.10% vs -0.10% in Mar 2024

Annual - % of Gross NPAs

% of Gross NPAs 1.82%

in Mar 2025

Figures in %

YoY Growth in year ended Mar 2025 is -0.42% vs -0.54% in Mar 2024