SBI Q3 Results 2025: Net Profit Jumps 84% to Rs 16,891 Crore | NII & Deposits Growth
SBI Q3 Results 2025: Key Highlights & Financial Performance
State Bank of India (SBI) reported a stellar SBI Q3 Results 2025 performance with an 84% year-on-year (YoY) surge in net profit to Rs 16,891 crore, exceeding market expectations. The SBI Q3 Results 2025 also show that the bank’s net interest income (NII) increased by 4% to Rs 41,446 crore, showcasing stable growth. SBI Q3 Results 2025 further revealed improvements in asset quality and deposit growth, reflecting its robust financial position.
SBI Q3 Results 2025: Financial Performance Overview
1. SBI Q3 Results 2025 Net Profit Surges 84% YoY
- SBI’s net profit jumped from Rs 9,164 crore in Q3FY24 to Rs 16,891 crore in Q3FY25.
- The strong growth was attributed to a lower base in the previous year due to a one-time hit of Rs 7,100 crore for wage revisions and pension costs.
- The SBI Q3 Results 2025 profit surge exceeded brokerage expectations, which had estimated a 64% YoY rise.
2. SBI Q3 Results 2025: Net Interest Income (NII) Grows 4%
- SBI Q3 Results 2025 indicate that NII increased from Rs 39,816 crore in Q3FY24 to Rs 41,446 crore in Q3FY25.
- However, the growth fell slightly below analysts’ predictions of a 6% rise.
- Net Interest Margin (NIM):
- Whole Bank NIM: 3.01% in Q3FY25 (vs. 3.12% for 9MFY25).
- Domestic NIM: 3.15% in Q3FY25 (vs. 3.25% for 9MFY25).
3. SBI Q3 Results 2025: Operating Profit Declines 20% Sequentially
- SBI Q3 Results 2025 report a 20% decline in operating profit from the previous quarter.
- Provisions stood at Rs 911 crore, higher than a year ago but lower than the previous quarter.
SBI Q3 Results 2025: Asset Quality Improves
1. SBI Q3 Results 2025 Gross & Net NPA Decline
- Gross NPA Ratio: Improved to 2.07% (Q3FY25) from 2.13% (Q2FY25).
- Net NPA Ratio: Remained unchanged at 0.53%.
- Provision Coverage Ratio (PCR): Stood at 74.66%, improving by 49 basis points (bps) YoY.
- Slippage Ratio:
- 9MFY25: 0.59%, improving by 8 bps YoY.
- Q3FY25: 0.39%, improving by 19 bps YoY.
SBI Q3 Results 2025: Loan & Deposit Growth
1. SBI Q3 Results 2025: Advances See Healthy Growth
- Gross advances rose 13.49% YoY to Rs 40.68 lakh crore.
- Domestic Corporate Advances: Rs 11.76 lakh crore (up from Rs 10.24 lakh crore YoY).
- Retail Personal Advances: Rs 14.47 lakh crore, growing 11.65% YoY.
2. SBI Q3 Results 2025: Deposits Increase by 9.81% YoY
- Total Deposits: Rs 52.3 lakh crore (vs. Rs 47.62 lakh crore YoY).
- Domestic CASA Deposits: Grew 4.46% YoY to Rs 19.65 lakh crore.
- Domestic Term Deposits: Up 13.47% YoY to Rs 30.49 lakh crore.
- CASA Ratio: Declined 198 bps YoY to 39.20% in Q3FY25.
SBI Q3 Results 2025: Share Performance & Market Reaction
- Despite the strong results, SBI shares were trading 1.7% lower at Rs 753 apiece on February 6, 2025.
- Investor concerns over slower NII growth and declining CASA ratio likely led to the stock’s muted performance.
Conclusion
SBI Q3 Results 2025 highlight a massive 84% rise in net profit, improved asset quality, and strong loan and deposit growth. However, lower-than-expected NII growth and a declining CASA ratio remain areas of concern. SBI Q3 Results 2025 continue to strengthen its financial position, making it a strong player in India’s banking sector.
FAQs
1. What was SBI Q3 Results 2025 net profit?
SBI Q3 Results 2025 reported an 84% increase in net profit to Rs 16,891 crore for Q3FY25.
2. How much did SBI Q3 Results 2025 net interest income (NII) grow?
SBI Q3 Results 2025 NII grew 4% YoY to Rs 41,446 crore in Q3FY25.
3. What is SBI Q3 Results 2025 current Gross NPA ratio?
SBI Q3 Results 2025 Gross NPA ratio improved to 2.07% as of December 31, 2024.
4. What was the total deposit growth for SBI Q3 Results 2025?
SBI Q3 Results 2025 total deposits increased by 9.81% YoY to Rs 52.3 lakh crore in Q3FY25.
5. Why did SBI shares drop despite strong SBI Q3 Results 2025?
SBI shares declined due to concerns over lower-than-expected NII growth and a declining CASA ratio.
ITC Hotels Shares Removed from Sensex: Impact, Market Reaction & Future Outlook
Tags: #SBIQ3Results2025 #SBIResults #SBIQ3 #SBIQuarterlyResults #BankingNews #Finance #StockMarket #NPAGrowth #CASARatio
