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	1,717	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	30,882	23,979	23,215	23,621	26,844
Allowance for Loan Losses	-	-835.85	-842.41	-761.78	-995.44
Other Adjustments to Gross Loans	-	-	-	-	-466.69
Net Loans	30,882	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	-	21.23	18	17.96	14.24
Other Receivables	-	247.58	268.43	283.48	242.61
Restricted Cash	-	3,166	1,093	1,130	1,010
Other Current Assets	-	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	519.14	451	11.4	10.07	20.64
Total Assets	42,766	42,993	38,670	35,675	35,319
Accrued Expenses	-	138.73	100.95	109.68	197.32
Interest Bearing Deposits	33,100	22,112	15,840	17,412	18,963
Non-Interest Bearing Deposits	-	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	-	204.55	667	304.04	-
Current Portion of Leases	-	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	1,507	1,509	1,564	2,224	1,961
Long-Term Leases	-	9.47	8.56	14.45	16.94
Pension & Post-Retirement Benefits	-	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	1,700	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	-	4,776	4,385	4,078	3,638
Comprehensive Income & Other	5,302	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	1,718	1,938	2,317	2,694	2,062
Net Cash (Debt)	715.96	3,552	3,413	1,573	-889.94
Net Cash Growth	-79.85%	4.09%	116.99%	-	-
Net Cash Per Share	1.37	6.80	6.53	3.01	-1.70
Filing Date Shares Outstanding	518.16	522.47	522.47	522.47	522.47
Total Common Shares Outstanding	518.16	522.47	522.47	522.47	522.47
Book Value Per Share	11.47	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	10.82	9.74	8.83	8.13	7.23

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