State Bank of India (SBI) has introduced a snapshot of its previous financial results, which helps to understand its financial performance in the last five quarters. This data reflects consolidated results.
Here is a detailed description of SBI’s financial performance:
Revenue:
The bank has shown a steady increase in its quarterly revenue during this period. In March 2024, the revenue increased from Rs 117,469 crore to Rs 126,997 crore in March 2025.
Net Profit:
SBI’s net profit has seen some ups and downs in the quarters, but it remains strong. The net profit for the quarter ended March 2025 stood at Rs 19,941 crore as compared to Rs 21,736 crore in March 2024.
Below the wide table showing the quarterly financial performance is given:
| Heading | March 2024 | June 2024 | September 2024 | December 2024 | March 2025 |
|---|---|---|---|---|---|
| Revenue | 117,469 crore rupees | 118,242 crore rupees | 121,044 crore rupees | 124,653 crore rupees | 126,997 crore rupees |
| Net profit | 21,736 crore rupees | 19,680 crore rupees | 20,219 crore rupees | 19,175 crore rupees | 19,941 crore rupees |
| EPS | 23.96 | 21.65 | 22.17 | 21.12 | 21.96 |
The table below presents the essence of annual financial performance:
| Heading | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | 278,115 crore rupees | 289,972 crore rupees | 350,844 crore rupees | 439,188 crore rupees | 490,937 crore rupees |
| Net profit | 24,317 crore rupees | 36,395 crore rupees | 56,609 crore rupees | 68,224 crore rupees | 79,052 crore rupees |
| EPS | 25.11 | 39.64 | 62.35 | 75.17 | 86.91 |
| BVPS | 282.35 | 316.22 | 371.08 | 434.06 | 515.07 |
| ROE | 8.89 | 12.53 | 16.80 | 17.31 | 16.87 |
| NIM | 2.51 | 2.49 | 2.70 | 2.66 | 2.59 |
The annual income details are given below:
| March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | |
|---|---|---|---|---|---|
| interest income | 490,937 | 439,188 | 350,844 | 289,972 | 278,115 |
| Other income | 172,405 | 155,386 | 122,533 | 117,000 | 107,222 |
| Total income | 663,343 | 594,574 | 473,378 | 406,973 | 385,337 |
| Total expenditure | 537,482 | 495,543 | 379,744 | 330,519 | 306,402 |
| operating profit | 125,861 | 99,030 | 93,633 | 76,453 | 78,935 |
| Provisions and contingencies | 19,451 | 7,714 | 18,184 | 40,059 | 54,618 |
| PBT | 106,410 | 91,316 | 75,449 | 36,394 | 24,317 |
| Tax | 27,358 | 23,091 | 18,839 | 0 | 0 |
| Net profit | 79,052 | 68,224 | 56,609 | 36,395 | 24,317 |
Main things of annual income details:
- interest income: In March 2021, from Rs 278,115 crore increased to Rs 490,937 crore in March 2025.
- Other income: In March 2021, from Rs 107,222 crore increased to Rs 172,405 crore in March 2025.
- Total expenses: In March 2021, from Rs 306,402 crore increased to Rs 537,482 crore in March 2025.
- Net Profit: In March 2021, from Rs 24,317 crore increased to Rs 79,052 crore in March 2025. The net profit for the end period on March 2025 increased by about 28.8 percent compared to March 2024.
The following table presents a quarterly view of income details:
| March 2024 | June 2024 | September 2024 | December 2024 | March 2025 | |
|---|---|---|---|---|---|
| interest income | 117,469 | 118,242 | 121,044 | 124,653 | 126,997 |
| Other income | 47,444 | 33,882 | 42,757 | 43,199 | 52,565 |
| Total income | 164,914 | 152,125 | 163,802 | 167,853 | 179,562 |
| Total expenditure | 133,670 | 121,289 | 130,742 | 140,288 | 145,195 |
| Operations benefits | 31,243 | 30,835 | 33,060 | 27,564 | 34,366 |
| Provisions and contingencies | 2,391 | 4,407 | 5,585 | 1,998 | 7,469 |
| PBT | 28,851 | 26,427 | 27,474 | 25,566 | 26,896 |
| Tax | 7,115 | 6,746 | 7,254 | 6,391 | 6,955 |
| Net profit | 21,736 | 19,680 | 20,219 | 19,175 | 19,941 |
Main observation from quarterly income details:
- interest income: In March 2024, from Rs 117,469 crore increased continuously to Rs 126,997 crore in March 2025.
- Other income: There was ups and downs, with a significant increase in March 2025 to Rs 52,565 crore.
- Total expenses: In March 2024, from Rs 133,670 crore increased continuously to Rs 145,195 crore in March 2025.
- Net Profit: Relatively stable, which ranged between Rs 19,175 crore to Rs 21,736 crore.
The data of the balance sheet is presented in the table below:
| March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | |
|---|---|---|---|---|---|
| Share capital | 892 | 892 | 892 | 892 | 892 |
| Reserve and surplus | 486,144 | 414,046 | 358,038 | 304,695 | 274,669 |
| Deposit | 5,439,898 | 4,966,537 | 4,468,535 | 4,087,410 | 3,715,331 |
| Borrow | 610,857 | 639,609 | 521,151 | 449,159 | 433,796 |
| Liabilities and provisions | 758,367 | 697,074 | 592,962 | 507,517 | 411,303 |
| Total liabilities | 7,314,185 | 6,733,778 | 5,954,418 | 5,360,883 | 4,845,618 |
| Fixed assets | 46,337 | 44,708 | 44,407 | 39,510 | 40,166 |
| Loan and advance | 4,250,830 | 3,784,272 | 3,267,902 | 2,794,076 | 2,500,598 |
| Investment | 2,205,601 | 2,110,548 | 1,913,107 | 1,776,489 | 1,595,100 |
| Other assets | 811,415 | 794,249 | 729,000 | 750,807 | 709,752 |
| Total assets | 7,314,185 | 6,733,778 | 5,954,418 | 5,360,883 | 4,845,618 |
| Capital Edicuce Ratio (%) | 14 | 14 | 14 | 13 | 13 |
| Gross NPA (%) | 1.82 | 2.24 | 2.78 | 3.97 | 5.00 |
| Net NPA (%) | 0.47 | 0.57 | 0.67 | 1.02 | 1.50 |
| contingent liabilities | 2,678,111 | 2,397,594 | 1,835,524 | 2,007,232 | 1,714,239 |
Main observation from balance sheet data:
- Deposit: In March 2021, from Rs 3,715,331 crore rose continuously to Rs 5,439,898 crore in March 2025, showing strong customer trust and deposit growth.
- Loan and advance: In March 2021, from Rs 2,500,598 crore increased continuously to Rs 4,250,830 crore in March 2025, indicating strong debt activity.
- Investment: In March 2021, it increased from Rs 1,595,100 crore to Rs 2,205,601 crore in March 2025, reflecting strategic investment management.
The table below shows the major financial ratio:
| March 2021 | March 2022 | March 2023 | March 2024 | March 2025 | |
|---|---|---|---|---|---|
| Basic EPS (Rs.) | 25.11 | 39.64 | 62.35 | 75.17 | 86.91 |
| Dilute EPS (Rs) | 25.11 | 39.64 | 62.35 | 75.17 | 86.91 |
| Book value [Excl. Reval Reserve]/ Stock (Rs.) | 282.35 | 316.22 | 371.08 | 434.06 | 515.07 |
| Dividend/ Share (Rs) | 4.00 | 7.10 | 11.30 | 13.70 | 15.90 |
| Face value | 1 | 1 | 1 | 1 | 1 |
| Net interest margin (%) | 2.51 | 2.49 | 2.70 | 2.66 | 2.59 |
| Operational profit margin (%) | 10.58 | 14.49 | 19.95 | 20.34 | 21.80 |
| Net profit margin (%) | 8.73 | 12.53 | 16.12 | 15.51 | 16.09 |
| Return / Equity Return (%) | 8.89 | 12.53 | 16.80 | 17.31 | 16.87 |
| Year (%) | 1.77 | 1.57 | 1.74 | 1.63 | 1.91 |
| Return on Assets (%) | 0.46 | 0.65 | 0.93 | 0.99 | 1.06 |
| P/E (x) | 14.51 | 12.45 | 8.40 | 10.01 | 8.88 |
| P/B (x) | 1.29 | 1.56 | 1.41 | 1.73 | 1.50 |
| CASA (%) | 45.40 | 44.51 | 42.66 | 39.92 | 38.76 |
| Capital Edicuce Ratio (%) | 13.74 | 13.85 | 14.68 | 14.28 | 14.25 |
Main highlights from financial ratio:
- EPS: In March 2021, from Rs 25.11 continuously increased to Rs 86.91 in March 2025.
- Book value per share: In March 2021, from Rs 282.35 continuously increased to Rs 515.07 in March 2025.
- Dividend per share: Rose from Rs 4.00 in March 2021 to Rs 15.90 in March 2025, showing the bank’s growing profitability and commitment to return the value to the shareholders.
State Bank of India announced the final dividend of Rs 15.90 per share (1590 percent) on May 5, 2025, the effective date of which is 16 May, 2025. The earlier dividend includes Rs 13.70 per share (1370 percent) on May 9, 2024 and Rs 11.30 per share (1130 per cent) on May 18, 2023.
The bank had a stock split on September 24, 2014, whose ex-split date was 20 November 2014. The face value changed from Rs 10 to Rs 1.
With increase in deposits and strategic management, the financial position of the State Bank of India appears in its balance sheet.