{"id":296621,"date":"2025-05-03T10:21:13","date_gmt":"2025-05-03T10:21:13","guid":{"rendered":"https:\/\/news.talkwithrattan.com\/index.php\/2025\/05\/03\/sbi-q4-net-profit-dips-10-yoy-to-rs-18642-59-crore-rs-15-90-per-share-dividend-declared-times-of-india\/"},"modified":"2025-05-03T10:21:13","modified_gmt":"2025-05-03T10:21:13","slug":"sbi-q4-net-profit-dips-10-yoy-to-rs-18642-59-crore-rs-15-90-per-share-dividend-declared-times-of-india","status":"publish","type":"post","link":"https:\/\/news.talkwithrattan.com\/index.php\/2025\/05\/03\/sbi-q4-net-profit-dips-10-yoy-to-rs-18642-59-crore-rs-15-90-per-share-dividend-declared-times-of-india\/","title":{"rendered":"SBI Q4 net profit dips 10% YoY to Rs 18,642.59 crore, Rs 15.90 per share dividend declared &#8211; Times of India"},"content":{"rendered":"<div style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/static.toiimg.com\/thumb\/msid-120847768,imgsize-527217,width-400,resizemode-4\/120847768.jpg?ssl=1\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"SBI Q4 net profit dips 10% YoY to Rs 18,642.59 crore, Rs 15.90 per share dividend declared &#8211; Times of India\" title=\"SBI Q4 net profit dips 10% YoY to Rs 18,642.59 crore, Rs 15.90 per share dividend declared &#8211; Times of India\" \/><\/div><p> <br \/>\n<\/p>\n<div>\n<div class=\"MwN2O\">\n<div class=\"vdo_embedd\">\n<div class=\"T22zO\">\n<section class=\"D3Wk1  clearfix id-r-component leadmedia undefined undefined  VtlfQ\" style=\"top:0px\">\n<div class=\"D3Wk1\" data-ua-type=\"1\" onclick=\"stpPgtnAndPrvntDefault(event)\">\n<div class=\"zPaFh\">\n<div class=\"wJnIp\"><\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div><\/div>\n<\/div>\n<p>India\u2019s largest public sector lender, State Bank of India (SBI), reported a 10% year-on-year (YoY) drop in net profit for the fourth quarter of FY25. The bank posted a net profit of Rs 18,642.59 crore, compared to Rs 20,698.35 crore in the same period last year.<br \/>Despite the decline in profit, the bank&#8217;s Net Interest Income (NII) rose 2.7% YoY to Rs 42,774.55 crore.<br \/>However, the Net Interest Margin (NIM) for the domestic book dropped by 32 basis points YoY, settling at 3.15%, compared to 3.47% in Q4FY24.<br \/>On the operational side, SBI reported an operating profit of Rs 31,286 crore in Q4FY25, marking an 8.83% increase over Rs 28,748 crore in the year-ago quarter. Meanwhile, loan loss provisions rose 20.35% YoY, reaching Rs 3,964 crore, up from Rs 3,294 crore in Q4FY24.<br \/>In terms of asset quality, SBI showed improvement. The gross NPA ratio declined to 1.82%, down 42 basis points YoY, while the net NPA ratio improved by 10 basis points to 0.47%. The provision coverage ratio stood at 74.42%, reflecting a 60 basis point improvement YoY.<br \/>The bank\u2019s slippage ratio for FY25 came in at 0.55%, improving by 7 basis points YoY, while the Q4FY25 slippage ratio was 0.42%, a 1 basis point improvement YoY.<br \/>SBI\u2019s credit cost for FY25 stood at 0.38%, and the capital adequacy ratio as of March-end 2025 was reported at 14.25%.<br \/>The bank has also announced plans to raise equity capital of up to Rs 25,000 crore during FY26. This may be carried out through Qualified Institutional Placement (QIP), Follow-on Public Offer (FPO), or other approved methods like rights issues or preferential allotments, in one or more tranches.<br \/>Additionally, SBI has declared a dividend of Rs 15.90 per share along with the quarterly results.<\/div>\n<p><script>\nvar _mfq = window._mfq || [];\n_mfq.push([\"setVariable\", \"toi_titan\", window.location.href]);\n!(function(f, b, e, v, n, t, s) {\n    function loadFBEvents(isFBCampaignActive) {\n      if (!isFBCampaignActive) {\n        return;\n      }\n      (function(f, b, e, v, n, t, s) {\n        if (f.fbq) return;\n        n = f.fbq = function() {\n          n.callMethod ? n.callMethod(...arguments) : n.queue.push(arguments);\n        };\n        if (!f._fbq) f._fbq = n;\n        n.push = n;\n        n.loaded = !0;\n        n.version = '2.0';\n        n.queue = [];\n        t = b.createElement(e);\n        t.async = !0;\n        t.defer = !0;\n        t.src = v;\n        s = b.getElementsByTagName(e)[0];\n        s.parentNode.insertBefore(t, s);\n      })(f, b, e, 'https:\/\/connect.facebook.net\/en_US\/fbevents.js', n, t, s);\n      fbq('init', '593671331875494');\n      fbq('track', 'PageView');\n    };\n    function loadGtagEvents(isGoogleCampaignActive) {\n      if (!isGoogleCampaignActive) {\n        return;\n      }\n      var id = document.getElementById('toi-plus-google-campaign');\n      if (id) {\n        return;\n      }\n      (function(f, b, e, v, n, t, s) {\n        t = b.createElement(e);\n        t.async = !0;\n        t.defer = !0;\n        t.src = v;\n        t.id = 'toi-plus-google-campaign';\n        s = b.getElementsByTagName(e)[0];\n        s.parentNode.insertBefore(t, s);\n      })(f, b, e, 'https:\/\/www.googletagmanager.com\/gtag\/js?id=AW-877820074', n, t, s);\n    };\n    function loadSurvicateJs(allowedSurvicateSections = []){\n      const section =  window.location.pathname.split('\/')[1]\n      const isHomePageAllowed = window.location.pathname === '\/' && allowedSurvicateSections.includes('homepage')\n      if(allowedSurvicateSections.includes(section) || isHomePageAllowed){\n        (function(w) {\n         function setAttributes() {\n                    var prime_user_status = window.isPrime ? 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The bank posted a net profit of Rs 18,642.59 crore, compared to Rs 20,698.35 crore in the same period last year.Despite the decline in profit, the bank&#8217;s Net Interest Income [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":296622,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","fifu_image_url":"https:\/\/static.toiimg.com\/thumb\/msid-120847768,imgsize-527217,width-400,resizemode-4\/120847768.jpg","fifu_image_alt":"","footnotes":""},"categories":[604],"tags":[1955,22354,7153,6977,273,2111,230594,498,1549,132793,230591,230593,1932,230592,272,17142],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/posts\/296621"}],"collection":[{"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/comments?post=296621"}],"version-history":[{"count":1,"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/posts\/296621\/revisions"}],"predecessor-version":[{"id":296623,"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/posts\/296621\/revisions\/296623"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/media\/296622"}],"wp:attachment":[{"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/media?parent=296621"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/categories?post=296621"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/news.talkwithrattan.com\/index.php\/wp-json\/wp\/v2\/tags?post=296621"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}