| Schedule of premise, equipment, and computer software |
| | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | December 31, 2024 | | Category | Cost | Accumulated
depreciation | Net carrying
value | Cost | Accumulated
depreciation | Net carrying
value | | Land | 8,333 | | — | | 8,333 | | 8,333 | | — | | 8,333 | | | Buildings | 215,735 | | (97,538) | | 118,197 | | 204,473 | | (91,401) | | 113,072 | | | Equipment | 28,222 | | (20,250) | | 7,972 | | 27,128 | | (19,304) | | 7,824 | | | Computer hardware and software in use | 75,394 | | (55,998) | | 19,396 | | 100,630 | | (78,012) | | 22,618 | | | Computer software in development | 4,606 | | — | | 4,606 | | 1,935 | | — | | 1,935 | | | Total | 332,290 | | (173,786) | | 158,504 | | 342,499 | | (188,717) | | 153,782 | |
| | | | | | | | | | | | | Year ended | | Depreciation charged to operating expenses | December 31, 2025 | December 31, 2024 | December 31, 2023 | | Buildings (included in Property expense) | 10,156 | | 9,202 | | 7,334 | | | Equipment (included in Property expense) | 2,406 | | 2,384 | | 2,389 | | | Computer hardware and software (included in Technology and communication expense) | 8,781 | | 9,768 | | 10,044 | | | Total depreciation charged to operating expenses | 21,343 | | 21,354 | | 19,767 | | | | | |
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