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$VBNK
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Consolidated Balance Sheets

In millions of CAD, except per-share amounts
Q4 FY2025
As of Oct 31, 2025
Q4 FY2024
As of Oct 31, 2024
Q4 FY2023
As of Oct 31, 2023
Q4 FY2022
As of Oct 31, 2022
Q4 FY2021
As of Oct 31, 2021
Assets
Cash (note 4)
Securities (note 5)
Loans, net of allowance for credit losses (note 6)
Credit assets, net of allowance for credit losses (note 6)
Property and equipment (note 7)
Goodwill (note 8)
Intangible assets (note 9)
Other assets (note 10)
Assets
Liabilities and Shareholders' Equity
Deposits (note 11)
Subordinated notes payable (note 12)
Other liabilities (note 13)
Liabilities
Shareholders' equity:
Share capital (note 14)
Contributed surplus
Retained earnings
Accumulated other comprehensive income
Equity
Equity and liabilities

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