10 unchanged sentences
An increase in EVE due to a specified rate change indicates an improvement in the long-term earnings capacity of the balance sheet, assuming that the rate change remains in effect over the life of the current balance sheet.
−Removed: As of December 31, 2024, the Company carried a slightly higher balance of liabilities than assets that will reprice within the next twelve months in the event that interest rates fall.
+Added: As of December 31, 2025, the Company carried a slightly higher balance of assets than liabilities that will reprice within the next twelve months in the event that interest rates fall.
Our policies and procedures provide management with guidelines for effective funds management, and we have established a measurement system for monitoring our net interest rate sensitivity position.
2 unchanged sentences
With the intent of stabilizing or increasing net interest income, management typically deploys the Company’s excess liquidity and seeks to migrate certain earning assets into higher-yielding categories (from investment securities into loans, for example).
−Removed: However, in situations where deposit balances contract, management relies upon various borrowing facilities and/or the use of brokered deposits.
+Added: However, in situations where deposit balances contract, management relies upon various borrowing facilities and/or the use of brokered
The Company monitors the impact of interest rate risk on EVE by reviewing and managing assets and liabilities with varying interest rate risks, such as cash and time deposits.
9 unchanged sentences
(as % of NII) Estimated Change in EVE
−Removed: (as % of EVE)
−Removed: Estimated Change in NII
+Added: (as % of EVE) Estimated Change in NII
(as % of NII) Estimated Change in EVE
12 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.