Скачать или смотреть SBI Cards & Payment Services Ltd. Q4 FY25 Earnings Call | Navigating Challenges & Strategic Outlook

Join us for the Q4 FY25 earnings call of SBI Cards & Payment Services Ltd., where the management team discusses the company's financial performance, operational highlights, and strategic initiatives.

📊 Q4 FY25 Financial Highlights:
Net Profit: ₹534 crore, a 19% decline YoY, primarily due to increased defaults and higher impairment provisions.

Total Income: ₹4,832 crore, up 8% YoY, driven by growth in interest income and fee-based revenues.

Interest Income: ₹2,415 crore, compared to ₹2,139 crore in Q4 FY24.

Impairment Charges: ₹1,245 crore, a 32% increase YoY, reflecting rising credit costs.​

📈 Operational Metrics:
New Accounts Added: 1.109 million in Q4 FY25, up from 1.029 million in Q4 FY24.
Cards-in-Force: 2.08 crore as of March 31, 2025, a 10% increase YoY.
Customer Spends: ₹88,365 crore in Q4 FY25, up 11% YoY.
Receivables: ₹55,840 crore, a 10% increase YoY.
Gross NPA: 3.08% as of March 31, 2025, up from 2.76% in the previous year.​
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