SBN Holdings Limited (NMSE:SNO)

SBN Holdings Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	5,017	5,163	3,654	478.71	417.53
Investment Securities	8,743	7,104	4,923	5,694	4,300
Trading Asset Securities	473.41	566.11	613.54	669.72	789.83
Total Investments	9,216	7,670	5,537	6,363	5,090
Gross Loans	23,979	23,215	23,621	26,844	25,321
Allowance for Loan Losses	-835.85	-842.41	-761.78	-995.44	-801.29
Other Adjustments to Gross Loans	-	-	-	-466.69	-371.78
Net Loans	23,143	22,372	22,859	25,382	24,148
Property, Plant & Equipment	916.41	904.88	951.76	1,027	1,084
Goodwill	-	13.14	39.02	39.02	39.02
Other Intangible Assets	379.28	444.77	478.71	508.84	461.75
Accrued Interest Receivable	21.23	18	17.96	14.24	13.26
Other Receivables	247.58	268.43	283.48	242.61	195.09
Restricted Cash	3,166	1,093	1,130	1,010	618.44
Other Current Assets	208.15	219.87	179.14	205.61	178.41
Long-Term Deferred Tax Assets	89.99	50.84	44.06	1.56	23.45
Other Real Estate Owned & Foreclosed	136.77	439.26	491.15	24.89	13.24
Other Long-Term Assets	451	11.4	10.07	20.64	556.78
Total Assets	42,993	38,670	35,675	35,319	32,838
Accrued Expenses	138.73	100.95	109.68	197.32	187.93
Interest Bearing Deposits	22,112	15,840	17,412	18,963	17,093
Non-Interest Bearing Deposits	11,892	14,369	9,941	9,293	9,027
Total Deposits	34,003	30,209	27,353	28,256	26,120
Short-Term Borrowings	206.44	69.05	140.76	70.58	362.12
Current Portion of Long-Term Debt	204.55	667	304.04	-	1,217
Current Portion of Leases	7.9	8.06	11.03	12.92	15.52
Current Income Taxes Payable	92.18	-	-	-	-
Other Current Liabilities	65.33	46.37	36.8	453.84	340.75
Long-Term Debt	1,509	1,564	2,224	1,961	403.72
Long-Term Leases	9.47	8.56	14.45	16.94	6.02
Pension & Post-Retirement Benefits	141.26	131.46	113.04	-	-
Long-Term Deferred Tax Liabilities	11.03	29.14	27.48	12.17	5.36
Other Long-Term Liabilities	1,112	747.84	556.8	-	-
Total Liabilities	37,502	33,582	30,892	30,981	28,658
Common Stock	1.05	1.05	1.05	1.05	1.05
Additional Paid-In Capital	642.19	642.19	642.19	642.19	642.19
Retained Earnings	4,776	4,385	4,078	3,638	3,480
Comprehensive Income & Other	50.02	40.88	46.02	42.68	42.89
Total Common Equity	5,470	5,069	4,767	4,323	4,167
Minority Interest	21.69	18.98	15.53	14.85	14.03
Shareholders' Equity	5,491	5,088	4,783	4,338	4,181
Total Liabilities & Equity	42,993	38,670	35,675	35,319	32,838
Total Debt	1,938	2,317	2,694	2,062	2,004
Net Cash (Debt)	3,552	3,413	1,573	-889.94	-796.61
Net Cash Growth	4.09%	116.99%	-	-	-
Net Cash Per Share	6.80	6.53	3.01	-1.70	-1.52
Filing Date Shares Outstanding	522.47	522.47	522.47	522.47	522.47
Total Common Shares Outstanding	522.47	522.47	522.47	522.47	522.47
Book Value Per Share	10.47	9.70	9.12	8.27	7.97
Tangible Book Value	5,090	4,611	4,250	3,776	3,666
Tangible Book Value Per Share	9.74	8.83	8.13	7.23	7.02

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