SBN Holdings Balance Sheet

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

Millions NAD. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	8,937	4,858	5,017	5,163	3,654	478.71
Investment Securities	11,148	7,522	8,743	7,104	4,923	5,694
Trading Asset Securities	481.09	716.63	473.41	566.11	613.54	669.72
Total Investments	11,629	8,239	9,216	7,670	5,537	6,363
Gross Loans	29,506	27,448	23,979	23,215	23,621	26,844
Allowance for Loan Losses	-892.16	-831.96	-835.85	-842.41	-761.78	-995.44
Other Adjustments to Gross Loans	-	-	-	-	-	-466.69
Net Loans	28,614	26,617	23,143	22,372	22,859	25,382
Property, Plant & Equipment	820.34	849.36	916.41	904.88	951.76	1,027
Goodwill	-	-	-	13.14	39.02	39.02
Other Intangible Assets	313.63	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	100.19	106.7	89.99	50.84	44.06	1.56
Other Real Estate Owned & Foreclosed	105.8	116.94	136.77	439.26	491.15	24.89
Other Long-Term Assets	851.17	31.85	451	11.4	10.07	20.64
Total Assets	51,371	42,766	42,993	38,670	35,675	35,319

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Accrued Expenses	-	170.89	138.73	100.95	109.68	197.32
Interest Bearing Deposits	28,243	23,700	22,112	15,840	17,412	18,963
Non-Interest Bearing Deposits	11,974	9,400	11,892	14,369	9,941	9,293
Total Deposits	40,218	33,100	34,003	30,209	27,353	28,256
Short-Term Borrowings	36.66	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	65.23	43.07	92.18	-	-	-
Other Current Liabilities	308.64	212.83	65.33	46.37	36.8	453.84
Long-Term Debt	1,349	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	27.69	22.1	11.03	29.14	27.48	12.17
Other Long-Term Liabilities	3,229	1,341	1,112	747.84	556.8	-
Total Liabilities	45,234	36,796	37,502	33,582	30,892	30,981

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
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	-	5,260	4,776	4,385	4,078	3,638
Comprehensive Income & Other	5,466	41.67	50.02	40.88	46.02	42.68
Total Common Equity	6,109	5,945	5,470	5,069	4,767	4,323
Minority Interest	28.24	24.87	21.69	18.98	15.53	14.85
Shareholders' Equity	6,137	5,970	5,491	5,088	4,783	4,338
Total Liabilities & Equity	51,371	42,766	42,993	38,670	35,675	35,319

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Total Debt	1,386	1,744	1,938	2,317	2,694	2,062
Net Cash (Debt)	8,032	3,830	3,552	3,413	1,573	-889.94
Net Cash Growth	343.13%	7.81%	4.09%	116.99%	-	-
Net Cash Per Share	15.39	7.33	6.80	6.53	3.01	-1.70
Filing Date Shares Outstanding	522.47	522.47	522.47	522.47	522.47	522.47
Total Common Shares Outstanding	522.47	522.47	522.47	522.47	522.47	522.47
Book Value Per Share	11.69	11.38	10.47	9.70	9.12	8.27
Tangible Book Value	5,795	5,609	5,090	4,611	4,250	3,776
Tangible Book Value Per Share	11.09	10.73	9.74	8.83	8.13	7.23