SBN Holdings Limited (NMSE:SNO)

SBN Holdings Cash Flow Statement

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
Net Income	1,050	766.27	623.6	365.39	421.33
Depreciation & Amortization	112.41	119.09	137.61	142.69	129.41
Other Amortization	60.56	60.56	53.02	47.68	38.04
Gain (Loss) on Sale of Assets	-	-	-3.43	-0.7	0.76
Gain (Loss) on Sale of Investments	-	-	-	-	-4.07
Total Asset Writedown	-	-	-17.6	22.22	-
Provision for Credit Losses	-	-	202.46	324.71	284.39
Change in Trading Asset Securities	121.7	90.29	113.83	120.48	-352.79
Change in Other Net Operating Assets	-2,227	-1,866	-491.24	-1,677	1,099
Other Operating Activities	285.87	141.36	188.33	-18.93	-62.59
Operating Cash Flow	-596.17	-688.65	806.58	-673.38	1,553
Capital Expenditures	-114.38	-66.42	-50.2	-62.32	-91.49
Sale of Property, Plant and Equipment	0.47	2.74	5.05	1.66	1.26
Purchase / Sale of Intangibles	-0.23	-28.42	-24.66	-96.54	-36.81
Investing Cash Flow	-114.14	-92.1	-69.81	-157.19	-127.04
Long-Term Debt Issued	150	-	650	1,543	300
Long-Term Debt Repaid	-666.24	-314.8	-117.81	-1,222	-292.8
Net Debt Issued (Repaid)	-516.24	-314.8	532.19	320.54	7.2
Common Dividends Paid	-658.32	-459.78	-182.9	-156.64	-252.5
Net Increase (Decrease) in Deposit Accounts	3,815	2,833	-893.78	2,150	-1,672
Financing Cash Flow	2,641	2,058	-544.49	2,314	-1,917
Foreign Exchange Rate Adjustments	-3.92	195.68	-148.01	-14.34	1.24
Net Cash Flow	1,926	1,473	44.27	1,469	-490.18
Free Cash Flow	-710.55	-755.07	756.39	-735.7	1,462
Free Cash Flow Margin	-19.52%	-24.41%	29.43%	-34.22%	69.42%
Free Cash Flow Per Share	-1.36	-1.45	1.45	-1.41	2.80
Cash Interest Paid	1,507	1,523	952.92	759.73	1,086
Cash Income Tax Paid	274.44	342.04	172.25	166.6	158.53

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