SBN Holdings Ratios and Metrics

Market cap in millions NAD. Fiscal year is January - December.

Millions NAD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 24, 2026	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
Market Capitalization	6,619	4,741	4,467	2,298	3,202	3,604
Market Cap Growth	48.01%	6.13%	94.40%	-28.23%	-11.14%	-24.95%
Last Close Price	12.67	7.97	6.50	2.97	3.84	4.12
PE Ratio	6.03	4.52	5.83	3.69	8.76	8.55
PS Ratio	1.78	1.30	1.44	0.89	1.49	1.71
PB Ratio	1.16	0.86	0.88	0.48	0.74	0.86
P/FCF Ratio	-	-	-	3.04	-	2.47
P/OCF Ratio	-	-	-	2.85	-	2.32
Debt / Equity Ratio	0.34	0.35	0.46	0.56	0.48	0.48
Debt / FCF Ratio	-	-	-	3.56	-	1.37
Net Debt / Equity Ratio	-0.32	-0.65	-0.67	-0.33	0.21	0.19
Net Debt / FCF Ratio	0.34	5.00	4.52	-2.08	-1.21	0.55
Return on Equity (ROE)	20.12%	19.90%	15.60%	13.69%	8.60%	10.31%
Return on Assets (ROA)	2.80%	2.58%	2.07%	1.76%	1.07%	1.24%
Earnings Yield	16.63%	22.14%	17.15%	27.14%	11.41%	11.69%
FCF Yield	-81.60%	-14.99%	-16.90%	32.91%	-22.98%	40.56%
Dividend Yield	10.57%	17.31%	15.39%	22.19%	8.08%	8.50%
Payout Ratio	65.64%	62.70%	60.00%	29.33%	42.87%	59.93%
Buyback Yield / Dilution	-0.43%	-	-	-	-	-3.91%
Total Shareholder Return	10.14%	17.31%	15.39%	22.19%	8.08%	4.59%

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