SBI Card has announced its unaudited financial results for the second quarter (Q2) and half-year ended September 30, 2025. The report details key financial figures including total income, expenses, and profit before and after tax. The company has provided a comprehensive overview of its financial performance, along with additional disclosures and compliance information. Total income stood at ₹5,136.48 crores.
Financial Performance Overview
SBI Cards and Payment Services Limited has released its unaudited financial results for Q2 2025, showcasing its performance for the quarter and half-year ended September 30, 2025. The financial results were approved by the Board of Directors on October 24, 2025.
Key Financial Highlights
The company’s financial performance can be summarized as follows:
- Total Income: Increased to ₹5,136.48 crores compared to previous periods.
- Profit Before Tax: Recorded at ₹599.77 crores.
- Profit After Tax: Reported as ₹444.77 crores for the quarter.
Revenue Breakdown
A detailed breakdown of the revenue sources indicates the following:
- Interest Income: ₹2,489.86 crores.
- Fees and Commission Income: ₹2,265.41 crores.
Expenses Overview
The expenses incurred by the company include:
- Finance Costs: ₹760.07 crores.
- Fees and Commission Expenses: ₹269.28 crores.
- Employee Benefits Expenses: ₹157.62 crores.
- Operating and Other Expenses: ₹2,022.01 crores.
Earnings Per Share
The earnings per share (EPS) for the period are as follows:
- Basic EPS: ₹4.67
- Diluted EPS: ₹4.67
Asset Quality
The company’s asset quality is reflected in the following metrics:
- Gross NPA: 2.85%
- Net NPA: 1.29%
Source: BSE
