State Bank of India Q3 FY2025 results: revenue ₹1,24,654 crore, up 10.4% on the year
State Bank of India (SBIN) reported consolidated interest earned of ₹1,24,654 crore for Q3 FY2025, the quarter ended 31 December 2024, up 10.4% on the same quarter a year earlier. Profit after tax was ₹18,853 crore, up 70.4% on the year, and earnings per share ₹21.12. The figures are the company's own, from the unaudited results it filed with NSE on 6 February 2025.
The quarter, against the one before and a year earlier
| Line | Q3 FY2025 | Q2 FY2025 | Q3 FY2024 | Change on the year |
|---|---|---|---|---|
| Interest earned | 1,24,654 | 1,21,045 | 1,12,868 | +10.4% |
| Interest expended | 77,397 | 73,619 | 68,092 | +13.7% |
| Other income | 43,200 | 42,758 | 40,203 | +7.5% |
| Total income | 1,67,854 | 1,63,802 | 1,53,072 | +9.7% |
| Provisions other than tax | 1,998 | 5,586 | 1,445 | +38.3% |
| Profit before tax | 25,566 | 27,474 | 15,245 | +67.7% |
| Profit after tax | 18,853 | 19,783 | 11,064 | +70.4% |
| EPS, basic | ₹21.12 | ₹22.17 | ₹12.40 | +70.3% |
₹ crore except per share.
Quarterly results, the last 12 quarters
| Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 1,07,391 | 1,12,868 | 1,17,469 | 1,18,242 | 1,21,045 | 1,24,654 | 1,26,997 | 1,25,729 | 1,28,040 | 1,30,590 | 1,31,080 | 1,36,240 |
| Interest expended | 62,955 | 68,092 | 70,644 | 71,701 | 73,619 | 77,397 | 78,227 | 78,266 | 78,002 | 78,783 | 79,953 | 82,248 |
| Other income | 36,865 | 40,203 | 47,445 | 33,883 | 42,758 | 43,200 | 52,565 | 41,263 | 47,857 | 55,059 | 49,999 | 43,821 |
| Operating expenses | 58,598 | 61,190 | 63,027 | 49,589 | 57,123 | 62,892 | 66,969 | 54,233 | 65,778 | 71,251 | 71,389 | 59,183 |
| Operating profit before provisions | n/a | n/a | n/a | n/a | n/a | n/a | 34,366 | 34,493 | 32,117 | 35,615 | 29,737 | 38,632 |
| Provisions | 768 | 1,445 | 2,392 | 4,408 | 5,586 | 1,998 | 7,470 | 5,264 | 6,487 | 5,548 | 3,661 | 5,748 |
| Profit before tax | 21,936 | 15,245 | 28,852 | 26,428 | 27,474 | 25,566 | 28,689 | 32,119 | 31,380 | 32,305 | 27,987 | 35,431 |
| Tax | 5,553 | 3,962 | 7,115 | 6,747 | 7,255 | 6,391 | 6,955 | 7,602 | 7,152 | 8,191 | 5,914 | 8,305 |
| Net profit | 16,100 | 11,064 | 21,384 | 19,325 | 19,783 | 18,853 | 19,941 | 21,627 | 21,504 | 21,876 | 20,161 | 24,579 |
| EPS in ₹ | ₹18.04 | ₹12.40 | ₹23.96 | ₹21.65 | ₹22.17 | ₹21.12 | ₹21.96 | ₹23.76 | ₹22.81 | ₹23.09 | ₹21.28 | ₹26.12 |
| Gross NPA % | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net NPA % | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company.
Source
Unaudited consolidated results for the quarter ended 31 December 2024, filed with NSE on 6 February 2025: the result statement. All of State Bank of India's results: NSE company page.
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