SBN Holdings Balance Sheet

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
Cash & Equivalents	4,858	5,017	5,163	3,654	478.71
Investment Securities	7,522	8,743	7,104	4,923	5,694
Trading Asset Securities	716.63	473.41	566.11	613.54	669.72
Total Investments	8,239	9,216	7,670	5,537	6,363
Gross Loans	27,448	23,979	23,215	23,621	26,844
Allowance for Loan Losses	-831.96	-835.85	-842.41	-761.78	-995.44
Other Adjustments to Gross Loans	-	-	-	-	-466.69
Net Loans	26,617	23,143	22,372	22,859	25,382
Property, Plant & Equipment	849.36	916.41	904.88	951.76	1,027
Goodwill	-	-	13.14	39.02	39.02
Other Intangible Assets	336.07	379.28	444.77	478.71	508.84
Accrued Interest Receivable	22.66	21.23	18	17.96	14.24
Other Receivables	266.49	247.58	268.43	283.48	242.61
Restricted Cash	1,124	3,166	1,093	1,130	1,010
Other Current Assets	198.15	208.15	219.87	179.14	205.61
Long-Term Deferred Tax Assets	106.7	89.99	50.84	44.06	1.56
Other Real Estate Owned & Foreclosed	116.94	136.77	439.26	491.15	24.89
Other Long-Term Assets	31.85	451	11.4	10.07	20.64
Total Assets	42,766	42,993	38,670	35,675	35,319
Accrued Expenses	170.89	138.73	100.95	109.68	197.32
Interest Bearing Deposits	23,700	22,112	15,840	17,412	18,963
Non-Interest Bearing Deposits	9,400	11,892	14,369	9,941	9,293
Total Deposits	33,100	34,003	30,209	27,353	28,256
Short-Term Borrowings	210.73	206.44	69.05	140.76	70.58
Current Portion of Long-Term Debt	897.91	204.55	667	304.04	-
Current Portion of Leases	16.07	7.9	8.06	11.03	12.92
Current Income Taxes Payable	43.07	92.18	-	-	-
Other Current Liabilities	212.83	65.33	46.37	36.8	453.84
Long-Term Debt	608.96	1,509	1,564	2,224	1,961
Long-Term Leases	10.71	9.47	8.56	14.45	16.94
Pension & Post-Retirement Benefits	161.14	141.26	131.46	113.04	-
Long-Term Deferred Tax Liabilities	22.1	11.03	29.14	27.48	12.17
Other Long-Term Liabilities	1,341	1,112	747.84	556.8	-
Total Liabilities	36,796	37,502	33,582	30,892	30,981
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	5,260	4,776	4,385	4,078	3,638
Comprehensive Income & Other	41.67	50.02	40.88	46.02	42.68
Total Common Equity	5,945	5,470	5,069	4,767	4,323
Minority Interest	24.87	21.69	18.98	15.53	14.85
Shareholders' Equity	5,970	5,491	5,088	4,783	4,338
Total Liabilities & Equity	42,766	42,993	38,670	35,675	35,319
Total Debt	1,744	1,938	2,317	2,694	2,062
Net Cash (Debt)	3,830	3,552	3,413	1,573	-889.94
Net Cash Growth	7.81%	4.09%	116.99%	-	-
Net Cash Per Share	7.33	6.80	6.53	3.01	-1.70
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	11.38	10.47	9.70	9.12	8.27
Tangible Book Value	5,609	5,090	4,611	4,250	3,776
Tangible Book Value Per Share	10.73	9.74	8.83	8.13	7.23

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