Versabank · TSX:VBNK
Versabank — Investor Presentation (January 2026)
15 slides from Versabank's investor presentation, January 2026
Slide 1: Proprietary Technology for the Digital Asset Revolution
Proprietary Technology for the Digital Asset Revolution Real Bank Deposit Tokens (RBDTs) & Stablecoin Custody Services January 2026 NASDAQ: VBNK | TSX: VBNK
Slide 2: Advisory
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 and
Slide 3: >30 Year Track Record of Technological Innovation
• World’s FIRST digital financial institution (1993) • FIRST electronic deposit broker network (1993) • World’s FIRST “smart router”: Web Weaver (1995) • Received FIRST National Bank License in Canada in 18 years (2002) >30 Year • FIRST integrated digital deposit solution for TIBs • Developed world’
Slide 4: A North American Leader
Fully Digital Highly Efficient: Branchless, Innovative, Value-Added North American Bank Partner (B2B) model Deposit & Financing Solutions for Underserved Markets • Operating leverage of a technology company with the intrinsic value of a bank A North American Leader • Highly risk-mitigated model: Ver
Slide 5: Capitalizing on the Significant Operating Leverage in Our Core Digital Banking Operations
Capitalizing on the Significant Operating Leverage in Our Core Digital Banking Operations $ CAD (millions) 55% Next Milestones: $14 $60 12.0% 11.5% $12 55% $50 $10 43% 44% 7.9% $40 F2025 Actual Total Credit Assets $8 7.0% $180 $7.00 $6 C$5.81 B $30 C$5.1B >C$6B >C$7.5B >C$10B $160 $4 US$3.48B$20 US$
Slide 6: Early Leadership in the Digital Asset Revolution: Multiple Commercial Opportunities
Early Leadership in the Digital Asset Revolution: Multiple Commercial Opportunities 6
Slide 7: The Digital Asset Revolution is Transforming the Financial Services Industry
Younger generations increasingly prefer digital interactions The Digital Asset over traditional banking methods / Declining use, interest in physical branches and traditional banking services Revolution is • Less than 50% of Gen Z have a traditional bank account Transforming the • • Younger generati
Slide 8: Deposit Tokens and Stablecoins: The Future of the Financial Ecosystem
Deposit Tokens and Stablecoins: The Future of the Financial Ecosystem Blockchain enabled: Provide significantly greater speed, significantly lower cost, greater security and programmability • Digital representations of traditional bank deposits that operate on Issued by blockchain-based infrastructu
Slide 9: The Digital Asset Revolution is Happening Now…
Major Bank-Led Digital Asset Initiatives The Digital Asset • Developing institutional-grade stablecoin, JPM Coin Revolution is • Piloting JPMD, a deposit token for live institutional payments Happening Now… • Launched Citi Token Services, blockchain-based platform for institutional clients • Joined
Slide 10: Proprietary VersaVault® Digital Asset Technology
Proprietary VersaVault® Digital Asset Technology 2018: Launched world’s first digital bank vault for securing blockchain- based assets and highly sensitive digital documents and data • Developed by DRT Cyber, based on VersaBank’s internally developed security technology security-centric digital asse
Slide 11: VersaBank’s Real Bank Deposit Tokens (RBDTs)
VersaBank’s Real Bank Deposit Tokens (RBDTs ) Compelling Proposition for Banks/Payments Providers Market Ready Significantly Enhanced Depositor Loyalty/Stickiness of Deposits Solution: Near-Term • Reduced funding costs, lower/no-cost deposits as customers prioritize holding digital currency Commerci
Slide 12: VersaBank’s Real Bank Deposit Tokens (RBDTs) (cont’d)
VersaBank’s Real Bank Deposit Tokens (RBDTs ) (cont’d) RBDT Near-Term Use Case Cross-Border Payments VersaBank is the first, and to date, only bank with a deposit token in both US and Canadian dollars • Deposit tokens could improve efficiency and reduce the cost of global money transfers. Real- time
Slide 13: VersaBank’s Stablecoin Custody Services
VersaBank’s Stablecoin Custody Services VersaBank is Ideally Positioned to Act as Custodian for Third-Party Stablecoins • Banks have historically been the custodians of Value of Stablecoins in depositors' money Circulation Projected to Grow to as High as • VersaBank is a nationally-licensed bank in
Slide 14: Why VersaBank? Why Now?
At inflection point for operating leverage, earnings growth and ROCE generation US Receivables Purchase Program (RPP) (proven in Canada) ramping up in an underserved multi-trillion $ US market Highly risk-mitigated model based on structuring of both deposits and credit assets Why VersaBank? Why Now?
Slide 15: Banking on the Future!
YW VersaBank Banking on the Fu r