NASDAQ: VBNK | TSX: VBNK Dial-In to Ask Questions For those wishing to ask questions during the Q&A, please access today's call through the telephone dial-in: Toll-free: 1-888-699-1199 (Canada/US) Local: 416-945-7677 Advisory The Bank occasionally makes forward-looking statements about its objectives, operations and targeted financial results. These statements may be written or verbal and may be included in such things as press releases, corporate presentations, annual reports and other disclosure documents ...

Financial Performance - Total assets reached $5.48 billion, a 21% increase year-over-year[6, 11] - Credit assets totaled $4.78 billion, up 18% year-over-year and 6% sequentially[6, 7, 11, 18] - Total revenue was $31.6 million, representing a 17% year-over-year increase and a 5% sequential increase[6, 14, 15] - Adjusted net income was $9.7 million, consistent with the previous year and up 11% sequentially[6, 14] - Adjusted EPS was $0.30, a 17% decrease year-over-year but a 7% increase sequentially[6, 14] Balance Sheet Strength - Cash and securities increased to $0.62 billion, a 55% increase year-over-year[11] - Book value per common share increased to $16.42, an 8% increase year-over-year[11] - CET1 ratio stood at 13.56%, an increase of 181 bps year-over-year[11] - Leverage ratio was 8.90%, an increase of 36 bps year-over-year[11] Segment Performance - Digital Banking Canada revenue was $26.619 million, a 6% increase year-over-year and a 4% sequential increase[15] - Digital Banking USA revenue was $3.116 million, a 25% sequential increase[15]