SBN Holdings Balance Sheet

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

Millions NAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	3,041	5,017	5,163	3,654	478.71	417.53
Investment Securities	8,828	8,743	7,104	4,923	5,694	4,300
Trading Asset Securities	706.03	473.41	566.11	613.54	669.72	789.83
Total Investments	9,534	9,216	7,670	5,537	6,363	5,090
Gross Loans	25,363	23,979	23,215	23,621	26,844	25,321
Allowance for Loan Losses	-852.59	-835.85	-842.41	-761.78	-995.44	-801.29
Other Adjustments to Gross Loans	-	-	-	-	-466.69	-371.78
Net Loans	24,510	23,143	22,372	22,859	25,382	24,148
Property, Plant & Equipment	870.58	916.41	904.88	951.76	1,027	1,084
Goodwill	-	-	13.14	39.02	39.02	39.02
Other Intangible Assets	347.46	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	79.27	89.99	50.84	44.06	1.56	23.45
Other Real Estate Owned & Foreclosed	131.68	136.77	439.26	491.15	24.89	13.24
Other Long-Term Assets	1,844	451	11.4	10.07	20.64	556.78
Total Assets	40,358	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	21,606	22,112	15,840	17,412	18,963	17,093
Non-Interest Bearing Deposits	9,619	11,892	14,369	9,941	9,293	9,027
Total Deposits	31,225	34,003	30,209	27,353	28,256	26,120
Short-Term Borrowings	221.73	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	75.15	92.18	-	-	-	-
Other Current Liabilities	136.73	65.33	46.37	36.8	453.84	340.75
Long-Term Debt	1,712	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	16.48	11.03	29.14	27.48	12.17	5.36
Other Long-Term Liabilities	1,289	1,112	747.84	556.8	-	-
Total Liabilities	34,676	37,502	33,582	30,892	30,981	28,658
Common Stock	1.05	1.05	1.05	1.05	1.05	1.05
Additional Paid-In Capital	642.19	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	5,017	50.02	40.88	46.02	42.68	42.89
Total Common Equity	5,660	5,470	5,069	4,767	4,323	4,167
Minority Interest	22.36	21.69	18.98	15.53	14.85	14.03
Shareholders' Equity	5,683	5,491	5,088	4,783	4,338	4,181
Total Liabilities & Equity	40,358	42,993	38,670	35,675	35,319	32,838
Total Debt	1,934	1,938	2,317	2,694	2,062	2,004
Net Cash (Debt)	1,813	3,552	3,413	1,573	-889.94	-796.61
Net Cash Growth	-55.17%	4.09%	116.99%	-	-	-
Net Cash Per Share	3.46	6.80	6.53	3.01	-1.70	-1.52
Filing Date Shares Outstanding	524.76	522.47	522.47	522.47	522.47	522.47
Total Common Shares Outstanding	524.76	522.47	522.47	522.47	522.47	522.47
Book Value Per Share	10.79	10.47	9.70	9.12	8.27	7.97
Tangible Book Value	5,313	5,090	4,611	4,250	3,776	3,666
Tangible Book Value Per Share	10.12	9.74	8.83	8.13	7.23	7.02

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