VBNK — VersaBank Income Statement

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FinancialsBalancedMid CapNeutral

Annual income statement for VersaBank, fiscal year end - October 31st, CAD millions except per share, conversion factor applied.

	2021 October 31st	2022 October 31st	2023 October 31st	2024 October 31st	2025 October 31st
Period Length:	12 M	12 M	12 M	12 M	12 M
Source:	ARS	ARS	ARS	ARS	ARS
Standards:	IFRS	IFRS	IFRS	IFRS	IFRS
Status:	Final	Final	Final	Final	Final
Interest Income
Interest Expense
Net Interest Income	60.2	76.7	100	103	116
Loan Loss Provision
Net Interest Income After Loan Loss Provision	60.6	76.2	99.4	103	112
Non Interest Income
Non Interest Expense
Net Income Before Taxes	30.8	32.5	57.6	54.8	41.5
Provision for Income Taxes
Net Income After Taxes	22.4	22.7	42.2	39.7	28.5
Net Income Before Extraordinary Items
Net Income	22.4	22.7	42.2	39.7	28.5
Adjustments to Net Income
Income Available to Common Shareholders Excluding Extraordinary Items
Income Available to Common Shareholders Including Extraordinary Items
Diluted Net Income	20.8	21.7	41.2	38.8	28.5
Diluted Weighted Average Shares
Basic EPS Including Extraordinary Items
Diluted EPS Including Extraordinary Items
Diluted EPS Excluding Extraordinary Items
Normalised Income Before Taxes
Normalised Income After Taxes
Normalised Income Available to Common Shareholders
Diluted Normalised EPS	0.956	0.79	1.57	1.49	0.903
Dividends per Share