State Bank of India (CHIX:SBIDl)
$ 93.9 -0.20 (-0.21%) Market Cap: 83.80 Bil Enterprise Value: 85.58 Bil PE Ratio: 9.29 PB Ratio: 1.48 GF Score: 65/100
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Q4 2025 State Bank of India Earnings Call Transcript

May 3, 2025 / 11:30 AM GMT

Key Points

Positve
  • State Bank of India (SBKFF) reported a net profit increase of 16.08% year on year, demonstrating strong profitability.
  • The bank maintained stellar asset quality with a gross non-performing asset (GNPA) ratio at a 14-year low of 2.4%.
  • Domestic credit growth was robust at 11.56% year on year, with significant contributions from SME, agriculture, corporate, and retail personal segments.
  • The bank's capital adequacy ratio stood at 14.25%, well above regulatory requirements, indicating strong financial health.
  • Digital banking initiatives have been successful, with over 8.77 crore customers registered under the Uno platform, enhancing customer engagement and operational efficiency.
Negative
  • The bank's credit growth target was not fully achieved, falling short of the expected 14-16% range, primarily due to unexpected pre-payments in the corporate segment.
  • Net profit for Q4 2025 was reported to be down by 10% compared to the previous quarter, attributed to higher provisioning.
  • There were significant variations in segment-wise results, with some segments like retail banking showing a decline in income.
  • The bank's cost to income ratio remains a concern, with a focus needed on increasing income to offset substantial operational costs.
  • The bank faces potential challenges from global economic uncertainties and domestic economic developments that could impact future growth.


Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SBI.NS - State Bank of India
Q4 2025 State Bank of India Earnings Call
May 03, 2025 / 11:30AM GMT

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Presentation
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Unidentified_1 [1]
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Good evening, ladies and gentlemen.

I am Pawan Kumar, general manager, performance planning and Review department of the bank.

On behalf of the State Bank of India, I am delighted to welcome Talli.

Investors, colleagues, and everyone present here today.

On the occasion of the declaration of the financial year '25 results of the bank.

I also extend a very warm welcome to all the people who are assessing the event through our live webcast.

We have with us on the stage.

Our Chairman, sir, she is CSCT at the center.

Our managing director, corporate banking and subsidiaries, Ashwani Kumar Thiwari.

Our managing director, retail Business and Operations, Sri
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