Abstract :

This Study Aimed To Evaluate The Financial Performance Of The State Bank Of India (SBI) Over The Period FY 2021 To FY 2025 Using Secondary Data Drawn From Its Annual Reports. The Parameters Analyzed Include Deposits, Borrowings, Net Advances, Net And Gross NPAs, Provisions, Net Profits, ROA, ROE, PCR, CAR, And The Net NPA To Advances Ratio. The Results Indicated A Consistent Growth Trajectory In Deposits And Advances, Along With A Robust Increase In Net Profits And Improved Asset Quality. The Study Revealed SBI’s Ability To Effectively Balance Growth With Prudential Risk Practices, Resulting In Improved Profitability, Efficient Capital Utilization, And Strategic Asset Deployment. The Findings Provide Empirical Support To The Evolving Role Of Public Sector Banks In India’s Economic Framework. The Implications Of This Study Suggest That SBI’s Financial Policies And Performance Serve As A Benchmark For Other Banks Navigating The Post-pandemic Recovery Landscape. Recommendations Include Continued Digital Transformation, Strategic Credit Diversification, And Enhancement Of Risk Management Frameworks To Maintain Sustainable Performance. Key Words: Credit Risk Management, Finance, Banking, Non-Performing Assets

Published:

21-6-2025

Issue:

Vol. 25 No. 6 (2025)

Page Nos:

638-647

Section:

Articles

License:

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

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