VersaBank
For the period ended Oct 31, 2025. Filed Dec 10, 2025.
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The yearly report of certain Canadian companies, filed under a joint US and Canadian system. It is the main yearly account these companies give US investors, largely as filed in Canada.
FY2025 · Filed Dec 10, 2025
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Contents
EX-99.3 · Commitments and Contingencies
Commitments and Contingencies
The amount of credit-related commitments represents the maximum amount of additional credit that the Bank could be obliged to extend. Under certain circumstances, the Bank may cancel credit asset commitments at its option. Letters of credit amounts are not necessarily indicative of the associated credit risk exposure as many of these secured arrangements are contracted for a limited period of time and will expire or terminate without being drawn upon.
| (thousands of Canadian dollars) | 2025 | 2024 |
|---|---|---|
| Credit asset commitments | $589,005 | $635,433 |
| Letters of credit | 46,849 | 65,671 |
| $635,854 | $701,104 |
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