Bank of Nova Scotia (TSX:BNS) – profile & key information for 2025 Meta Description: A major Canadian bank with global reach, Scotiabank provides diversified banking services and sustained cash generation across retail and international markets. The Bank of Nova Scotia, commonly branded as Scotiabank, occupies a distinctive position among Canada’s financial institutions. As one of the “Big Five” banks it combines a broad domestic franchise with a significant international footprint, particularly in Latin Am ...

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Question-and-Answer SessionYou recently reported 3Q results and your impaired PCL ratio came in well below what you had guided to during 2Q's call. Can you remind us what drove that improvement? Why are you cautious about reading too much into that as you look out into Q4?Philip ThomasGroup Head & Chief Risk Officer Sure, Brian. Thank you. And listen, it's a real pleasure to be here today, and thanks for everybody for attending. Maybe before I get into that question, maybe just a few comments. And we had a ...

The Bank of Nova Scotia (NYSE:BNS) FY Conference September 09, 2025 09:00 AM ET JasonMoving right along. I'm very pleased to have U.S. Bancorp with us from the company, Gunjan Kedia, CEO. Became CEO in April of this year, so not that long ago. John Stern, Chief Financial Officer, thank you for being with us. We'll put up the first ARS question that we've been asking all the companies. Gunjan, maybe start with you. You know, five months on the job, certainly as CEO. Maybe just start off by catching us up on ...

格隆汇9月5日｜加拿大丰业银行首席外汇策略师Shaun Osborne与Eric Theoret报告称，美元整体交易偏 弱，但仍稳居近期交易区间内，因市场正为稍晚公布的美国非农就业数据调整头寸。互换市场已基本完 全消化了25个基点的降息预期，因此符合共识的结果可能会对美元形成一定压力，并推动美元指数测试 97.50的支撑位。若数据意外走强，将给美元带来些许喘息之机，但我们认为，其他挑战（疲软的财政 政策、对美联储独立性的关注等）将把美元指数的涨幅限制在98中高位区间。 来源：格隆汇APP ...

美银称，这六大银行第三财季"良好但不算出色"的业绩超预期所引发的股价过度反应，验证了该行此前 关于投资者在这些银行股的仓位偏轻的观点。展望未来，美加贸易协定若最终落地，将成为积极催化 剂，推动企业从观望转向实际招聘/投资。此外，市场的关注点在于卡尼政府能否兑现其竞选时"优先发 展亲商政策"的承诺。 智通财经APP获悉，美银证券发布研报称，加拿大六大银行——加拿大皇家银行(RY.US)、多伦多道明 银行(TD.US)、加拿大帝国商业银行(CM.US)、加拿大国家银行、蒙特利尔银行(BMO.US)、丰业银行 (BNS.US)——公布了稳健的2025年第三财季业绩。该行认为，尽管存在宏观逆风，但这六大银行的每 股收益(EPS)上修趋势仍在继续。 美银指出，上述加拿大六大银行第三财季EPS平均超预期8.1%，其中以加拿大皇家银行表现最为突出 (超预期15.7%)，推动市场对这六大银行的2026年EPS一致预期较第三财季业绩公布前上调2.0%。强劲 的资本市场表现和上升的净息差抵消了上升但可控的信贷成本。美银认为，凭借超额资本投放(平均 CET1资本充足率为13.3%)以及GDP增长加快，这六大银行的2026年EPS仍 ...

Summary of The Bank of Nova Scotia (BNS) 2025 Conference Company Overview - The Bank of Nova Scotia (BNS) is focusing on a strategic shift from volume to value, emphasizing optimized balance sheets and revenue growth across various business segments [1][2]. Key Industry Insights - The banking industry is experiencing a competitive environment, particularly in Canada, where the bank aims to improve its market position and profitability [20][21]. - The focus on customer primacy and multi-product client relationships is seen as a critical strategy for enhancing client engagement and revenue generation [3][4]. Core Financial Performance - The bank reported a 16% growth in PTPP (pre-tax pre-provision) earnings in the commercial banking sector, despite flat loan growth [9][10]. - In Global Banking and Markets (GBM), there was a 29% increase in fees despite a 14% reduction in the balance sheet, indicating a successful shift towards fee-based income [1][36]. - The return on equity (ROE) in GBM improved by 200 to 300 basis points over the last couple of years, reflecting the effectiveness of the volume over value strategy [6][12]. Strategic Initiatives - The bank has been optimizing its client base and enhancing its product offerings, particularly in cash management and transaction banking, to drive growth [5][30]. - A significant focus has been placed on improving fund transfer pricing (FTP) to better allocate costs and incentivize deposits, which is expected to enhance profitability [5][65]. - The bank is also investing in technology and capabilities to support its wealth management and commercial banking sectors, aiming for a more integrated service offering [62][63]. Credit and Risk Management - The bank has built a strong balance sheet with $2 billion in allowance for credit losses (ACL), with a current ACL ratio of 94 basis points, up from 73 [12][14]. - There is cautious optimism regarding credit quality, with improvements noted in the Canadian retail book, although some concerns remain in the commercial sector [11][13]. Future Outlook - The bank aims to achieve positive operating leverage in the Canadian banking sector by next year, with a focus on enhancing efficiency and effectiveness [22][21]. - Modest growth is expected in International Banking as the bank continues to optimize its portfolio and focus on expense management [24][27]. - The bank is committed to achieving double-digit earnings growth by 2026, tracking ahead of its medium-term targets set during the investor day [66]. Technology and Innovation - The bank is exploring artificial intelligence (AI) to improve client experience and operational efficiency, particularly in areas like transaction monitoring and fraud detection [60][61]. - There is a focus on enhancing the technology platform for global transaction banking to better serve multinational clients [58][59]. Conclusion - The Bank of Nova Scotia is on a path of transformation, focusing on sustainable growth through strategic initiatives, improved client relationships, and operational excellence. The bank is optimistic about its future performance, aiming to close the ROE gap with its peers and enhance shareholder value [64][66].

来源：格隆汇APP 格隆汇9月3日｜加拿大丰业银行首席外汇策略师Shaun Osborne与Eric Theoret指出，本周截至目前，对 加元不利的因素已略有增多。短期内，股市波动或成为加元的又一阻力——不过我们总体认为，美元短 期涨幅难以持续，且市场对美联储近期降息的预期仍存，这对美元构成潜在压制。我们估算的美元/加 元公允价值今日小幅升至1.3622，上周收盘时该公允值略低于这一水平。本周加元(乃至多数货币)面临 的最大风险，是周五公布的美国非农就业数据好于预期——若数据强劲，将降低美联储本月晚些时候降 息的可能性，进而对加元形成打压。 ...

Expansion Strategy - Bank of Nova Scotia is expanding its US presence [1] - Dallas is offering up to $2.7 million in incentives to attract the lender's regional office [1]

Core Viewpoint - The Bank of Nova Scotia reported positive Q3 earnings that exceeded analyst expectations, resulting in a stock price increase of over 5% [1]. Financial Performance - The Q3 earnings report indicated strong financial performance, surpassing analyst forecasts [1]. Market Reaction - Following the earnings announcement, the stock of Scotiabank experienced a rise of more than 5% [1].