SBN Holdings Income Statement

Financials in millions NAD. Fiscal year is January - December.

Millions NAD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,526	3,553	3,347	2,406	1,965
Interest Paid on Deposits	1,390	1,486	1,547	961.35	735.95
Net Interest Income	2,136	2,067	1,800	1,445	1,229
Net Interest Income Growth (YoY)	3.32%	14.85%	24.59%	17.53%	5.16%
Income From Trading Activities	250.49	221.67	198.51	150.18	113.94
Gain (Loss) on Sale of Assets	-	0.47	1.23	3.43	0.7
Gain (Loss) on Sale of Equity Investments	-	95.52	88.52	-	-
Other Non-Interest Income	1,409	1,360	1,168	1,133	1,095
Total Non-Interest Income	1,660	1,678	1,456	1,287	1,210
Non-Interest Income Growth (YoY)	-1.09%	15.23%	13.20%	6.37%	1.61%
Revenues Before Loan Losses	3,796	3,745	3,256	2,731	2,439
Provision for Loan Losses	68.07	106.1	163.41	161.21	288.75
Revenue	3,728	3,639	3,093	2,570	2,150
Revenue Growth (YoY)	2.43%	17.67%	20.34%	19.54%	2.12%
Selling, General & Administrative	-	118.92	73.38	69.54	60.6
Other Non-Interest Expense	2,127	2,031	1,927	1,640	1,568
Total Non-Interest Expense	2,127	2,150	2,000	1,709	1,629
EBT Excluding Unusual Items	1,601	1,489	1,093	860.64	521.22
Asset Writedown	-	-0.42	-0.68	-1.78	-2.02
Pretax Income	1,601	1,476	1,066	858.86	519.21
Income Tax Expense	413.8	423.08	296.62	234.58	153
Earnings From Continuing Operations	1,187	1,053	769.71	624.28	366.21
Minority Interest in Earnings	-3.18	-2.71	-3.45	-0.68	-0.82
Net Income	1,184	1,050	766.27	623.6	365.39
Net Income to Common	1,184	1,050	766.27	623.6	365.39
Net Income Growth	12.75%	37.02%	22.88%	70.67%	-13.28%
Basic Shares Outstanding	521	522	522	522	522
Diluted Shares Outstanding	521	522	522	522	522
Shares Change (YoY)	-0.19%	-	-	-	-
EPS (Basic)	2.27	2.01	1.47	1.19	0.70
EPS (Diluted)	2.27	2.01	1.47	1.19	0.70
EPS Growth	12.96%	37.02%	22.88%	70.67%	-13.28%
Dividend Per Share	-	1.380	1.000	0.660	0.310
Dividend Growth	-	38.00%	51.52%	112.90%	-11.43%
Effective Tax Rate	25.85%	28.67%	27.82%	27.31%	29.47%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.