SBI Q4 FY25 Results: What’s Coming on May 3rd

India's banking giant, State Bank of India (SBI), will reveal its Q4 FY25 results on May 3rd. Here's my breakdown of what to watch for and what analysts predict.

The Big Numbers to Watch

SBI's Q4 performance is expected to show:

• Net Interest Margin holding steady around 3.0%
• Interest income likely up by 3.5% quarter-on-quarter
• Year-on-year interest income growth of approximately 9.5%
• The gross NPA ratio is expected to remain stable near 2.05%

Business Growth Indicators

The banking giant's business metrics are showing healthy momentum:

• Total deposits projected to grow 9-10% compared to last year
• Gross advances (loans) are expected to increase by about 10% year-on-year
• These figures suggest strong traction in loan disbursals despite market fluctuations

Why Asset Quality Matters

SBI's stable GNPA ratio of around 2.05% is significant because:

• It demonstrates the bank's risk management strategies
• Shows resilience during a period of mixed economic signals
• Continues the positive trend of reduced bad loan pressure

Beyond the Numbers

What everyone interested in from the upcoming SBI Q4 FY25 results:

• Management commentary on deposit mobilization strategies
• Outlook on credit growth for FY26
• Any insights on interest rate expectations and their impact on margins
• Sector-specific lending performance, especially in retail and corporate segments

Market Implications

SBI's results aren't just about one bank:

• Their performance often signals broader banking sector health
• As India's largest lender, their commentary carries significant weight
• Investor reactions could trigger sector-wide stock movements

he numbers themselves matter, but often, it's the forward guidance that moves markets.

Check back after May 3rd for my analysis of the actual results.