The Bank of Nova Scotia (NYSE:BNS) FY Conference March 24, 2026 11:00 AM ET Company ParticipantsAris Bogdaneris - Group Head of Canadian BankingConference Call ParticipantsGabriel Dechaine - Managing Director and Senior Equity AnalystGabriel DechaineAll right. Welcome back to back. Aris Bogdaneris, Group Head, Canadian Banking, Scotiabank, welcome to the stage again.Aris BogdanerisGreat to be here.Gabriel DechaineBig Habs fan. You reminded me. Another game tonight. Let's start with the ROE, like, that every ...

Key Takeaways BNS plans to boost its KeyCorp stake to 19.99%, expanding its U.S. investment position.KEY says the partnership structure remains unchanged, with no added regulatory oversight.KeyCorp's capital improved after BNS investment, supporting balance sheet repositioning efforts.KeyCorp (KEY) is set to see The Bank of Nova Scotia (BNS) increase its ownership stake in the bank to as much as 19.99%, underscoring strong confidence from its strategic partner. The news was first reported by Bloomberg, citi ...

Bank of Nova Scotia is looking to increase its stake in Cleveland-based KeyCorp to as much as 19.99%, up from prior permission for a 14.99% interest https://t.co/pmemqgp1Vg ...

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Getting big returns from financial portfolios, whether through stocks, bonds, ETFs, other securities, or a combination of all, is an investor's dream. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend y ...

The Bank of Nova Scotia (NYSE:BNS) is included among the 14 Low PE High Dividend Stocks to Buy Right Now. Canaccord Cuts Bank of Nova Scotia (BNS) to Hold, Flags Weakness in Key Segments Photo by Annie Spratt on Unsplash On March 9, Canaccord analyst Matthew Lee downgraded The Bank of Nova Scotia (NYSE:BNS) to Hold from Buy. The firm also lowered the price target on the stock to C$110 from C$118. The analyst said the bank still has areas that need attention, particularly in its Canadian P&C banking and ...

Summary of The Bank of Nova Scotia (NYSE:BNS) 2026 Conference Call Company Overview - **Company**: The Bank of Nova Scotia (Scotiabank) - **Date**: March 11, 2026 - **Speaker**: Raj Viswanathan, CFO Key Points Industry and Company Performance - The focus is on achieving a Return on Equity (ROE) target of 14% by 2027, with significant contributions expected from the Canadian banking business [9][10] - The Canadian bank is projected to improve by 55-65 basis points, with a notable 100 basis points improvement anticipated [9][10] - Loan loss provisions for the Canadian bank are expected to be slightly elevated in the first half of 2026, with a forecasted improvement in the second half [10][21] Risk-Adjusted Margin and Business Mix - Risk-adjusted margin is a key driver of the expected improvement, contributing about one-third to the overall ROE target [10][13] - The bank is focusing on enhancing its business mix, particularly in deposit growth, which has seen a 5% increase in savings and checking accounts [11][12] - The bank is also preparing for the renewal of CAD 58 billion in fixed-rate mortgages, which will likely reprice at higher rates [12] International Banking and ROE - The international banking segment currently has an ROE of over 16%, which is below the target of 18-19% set by peers [34][35] - The Caribbean segment is performing well but is sensitive to U.S. interest rate changes [35] Technology and AI Investments - Scotiabank's technology spend in 2025 was CAD 5.3 billion, accounting for 35% of its expense base, with a focus on AI, cloud, and cybersecurity [81][82] - AI is being integrated into various operations, including transaction monitoring and customer service, with expectations for increased productivity benefits in the future [93] Credit Quality and Market Conditions - The bank anticipates improved credit quality in the second half of 2026, based on data analytics and proactive collection strategies [21][22] - Current geopolitical tensions and oil price volatility are being monitored closely, with manageable exposure to potential loan losses [98][100] Mortgage Plus Product - The Mortgage Plus product has been a significant driver of growth, with 95% of mortgage originations coming from this offering [47][49] - The bank is committed to maintaining disciplined lending practices despite competitive pressures in the mortgage market [72] Loan-to-Deposit Ratio - The bank's loan-to-deposit ratio has improved from 136% to around 124-125%, with a long-term goal of achieving a sustainable range of 115-120% [59][60] Future Outlook - The bank is optimistic about growth in commercial banking, with strong pipelines expected to yield results in the second half of 2026 [66][67] - Overall, Scotiabank is positioned well for future growth, with a strong balance sheet and a commitment to maximizing ROE [104] Additional Important Insights - The restructuring charge of CAD 300 million is expected to benefit shareholders by improving efficiency and reducing redundant processes [17][84] - The bank is cautious about macroeconomic factors that could impact its forecasts, maintaining a conservative approach to future projections [22][41] This summary encapsulates the key insights and strategic directions discussed during the conference call, highlighting the bank's focus on growth, technology investment, and risk management in a dynamic market environment.

Bank of Nova Scotia’s board gave Chief Executive Officer Scott Thomson a raise, with his overall compensation increasing to C$13.2 million ($9.7 million) last year as he exceeded his target bonus https://t.co/RtbdPM234k ...

Core Viewpoint - The bank is involved in a lawsuit regarding the improper charging of duplicate insufficient funds fees on pre-authorized debit transactions, with a proposed settlement requiring court approval [1]. Group 1: Settlement Details - The bank denies the allegations and does not admit liability as part of the settlement [1]. - If approved, customers charged duplicate NSF fees between June 21, 2020, and April 30, 2024, will receive approximately $40 each from the settlement [2]. - The settlement is expected to result in direct deposits into the accounts of eligible customers [2]. Group 2: Related Cases - Previous settlements have been reached with TD Bank and Royal Bank of Canada for similar cases in 2024 and 2025 [2]. - Koskie Minsky has ongoing cases against Bank of Montreal and CIBC, which have not yet been proven or certified as class actions [3].

Core Viewpoint - The article emphasizes the importance of dividends for income investors, highlighting that dividends significantly contribute to long-term returns and can enhance overall portfolio performance [2]. Company Overview - Bank of Nova Scotia (BNS), based in Toronto, operates in the Finance sector and has experienced a price change of 2.8% this year [3]. - The company currently pays a dividend of $0.80 per share, resulting in a dividend yield of 4.23%, which is notably higher than the Banks - Foreign industry's yield of 2.41% and the S&P 500's yield of 1.36% [3]. Dividend Growth - BNS's annualized dividend of $3.21 has increased by 4.5% from the previous year, with an average annual increase of 2.35% over the last five years [4]. - The company's current payout ratio is 60%, indicating that it distributes 60% of its trailing 12-month earnings per share as dividends [4]. Earnings Growth Expectations - For the fiscal year, BNS anticipates solid earnings growth, with the Zacks Consensus Estimate for 2026 projected at $6.04 per share, reflecting a year-over-year growth rate of 19.37% [5]. Investment Appeal - BNS is characterized as an attractive dividend play and a compelling investment opportunity, currently holding a Zacks Rank of 2 (Buy) [6].