Scotiabank reports second quarter results Live audio Web broadcast of the Bank's analysts' conference call. See page 91 for details. Below is the index of EDTF recommendations to facilitate easy reference in the Bank's public disclosure documents available on www.scotiabank.com/investorrelations. MANAGEMENT'S DISCUSSION & ANALYSIS The Bank uses a number of financial measures and ratios to assess its performance, as well as the performance of its operating segments. Some of these financial measures and ratio ...

The Bank of Nova Scotia (NYSE:BNS) Q1 2023 Earnings Conference Call February 28, 2023 8:15 AM ET Company Participants John McCartney - Head of Investor Relations Scott Thompson - President & Chief Executive Officer Raj Viswanathan - Chief Financial Officer Phil Thomas - Chief Risk Officer Dan Rees - Canadian Banking Nacho Deschamps - International Banking Glen Gowland - Global Wealth Management Conference Call Participants Mario Mendonca - TD Securities Doug Young - Desjardins Capital Markets Gabriel Dechai ...

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The Bank of Nova Scotia (NYSE:BNS) Q4 2022 Earnings Conference Call November 29, 2022 8:00 AM ET Company Participants John McCartney - Head of Investor Relations Brian Porter - President and Chief Executive Officer Raj Viswanathan - Chief Financial Officer Phil Thomas - Chief Risk Officer Dan Rees - Canadian Banking Nacho Deschamps - International Banking Glen Gowland - Global Wealth Management Jake Lawrence - Global Banking and Markets Conference Call Participants Ebrahim Poonawala - BofA Securities Paul H ...

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The Bank of Nova Scotia (NYSE:BNS) Q3 2022 Earnings Conference Call August 23, 2022 8:00 AM ET Company Participants John McCartney - Head of Investor Relations Brian Porter - President & Chief Executive Officer Raj Viswanathan - Chief Financial Officer Phil Thomas - Chief Risk Officer Dan Rees - Group Head, Canadian Banking Nacho Deschamps - Group Head, International Banking & Digital Transformation Jake Lawrence - Global Banking & Markets Conference Call Participants Ebrahim Poonawala - Bank of America Gab ...

The Bank of Nova Scotia (NYSE:BNS) Q2 2022 Earnings Conference Call May 25, 2022 7:15 AM ET Company Participants John McCartney - Head, Investor Relations Brian Porter - President & Chief Executive Officer Raj Viswanathan - Chief Financial Officer Phil Thomas - Chief Risk Officer Dan Rees - Group Head, Canadian Banking Nacho Deschamps - Group Head, International Banking & Digital Transformation Conference Call Participants Ebrahim Poonawala - Bank of America Gabriel Dechaine - National Bank Financial Paul H ...

Summary of The Bank of Nova Scotia Conference Call Company Overview - **Company**: The Bank of Nova Scotia (NYSE: BNS) - **Event**: NBF 20th Annual Financial Services Conference - **Date**: March 22, 2022 Key Points Industry Performance - The Canadian banking sector has shown strong performance over the past couple of years, with a notable turnaround in key areas such as mortgages and commercial banking [2][3] - The bank has experienced robust growth in its mortgage and commercial franchises, with a strong pipeline expected for the remainder of the year [3] Mortgage Business Insights - The growth in the mortgage business has been significantly driven by price inflation rather than unit expansion, with dollar balances doubling in the last three years due to a strategic increase in sales capacity [5][6] - The bank has improved its renewal and retention rates, which had previously been a challenge [6] - The bank is the leading player in the mortgage broker market, with over 80% of new products originated through brokers, emphasizing the importance of this channel [11] Regulatory Environment - Discussions with OSFI (Office of the Superintendent of Financial Institutions) regarding potential regulatory tightening on combined mortgage and HELOC products are ongoing, but the bank feels well-positioned to adapt [8][9] - The STEP product, which includes various financial products under one umbrella, is expected to remain a strong revenue generator despite potential regulatory changes [9] Auto Lending Sector - The auto lending business has shown resilience, with record revenue in FY21 despite supply chain challenges [17] - The bank anticipates a positive revenue year for auto lending, particularly as supply chain issues ease, potentially in 2023 [18] Commercial Lending Growth - Commercial real estate (CRE) lending has been a significant contributor to net advances in commercial lending, alongside growth in deposits [26] - The bank is focusing on sectors like agriculture, technology, and transportation for future growth opportunities [27] Expense Management - The bank is preparing for higher expenses due to initiative spending, with a focus on maintaining operating leverage [30][32] - Wage inflation is identified as a major driver of expense growth, but the bank aims to self-fund growth initiatives [32] Wealth Management and Digital Strategy - The bank has strengthened its wealth management franchise, with significant growth in assets under management (AUM) [43][44] - There is a focus on integrating wealth management with retail banking to enhance customer experience [43] Branch Strategy - The bank plans to maintain its branch network in Canada, recognizing the ongoing need for in-person services, particularly for seniors and small business owners [46][47] - While some branches are being closed in other regions, new branches are being opened in under-indexed areas [48] Market Outlook - The bank expects a trajectory of interest rate increases, with a forecast of 200 basis points before the end of the year [38] - There is an anticipation of margin compression in the mortgage sector, but a recovery in automotive and credit card lending is expected to stabilize margins [38][40] Customer Engagement - The bank emphasizes the importance of providing financial advice, particularly to younger customers who may be anxious about their financial futures [53] - The bank aims to offer various channel options to cater to different customer needs, balancing DIY investment approaches with professional advice [53] Additional Insights - The bank's international operations have provided a cost advantage and enhanced customer service capabilities during the pandemic [36] - The bank is actively investing in technology and digital tools to improve operational efficiency and customer engagement [30][36]

The Bank of Nova Scotia (NYSE:BNS) Q1 2022 Results Conference Call March 1, 2022 8:15 AM ET Company Participants John McCartney - Head of Investor Relations Brian Porter - President & Chief Executive Officer Raj Viswanathan - Chief Financial Officer Phil Thomas - Chief Risk Officer Dan Rees - Group Head, Canadian Banking Glen Gowland - Group Head, Global Wealth Management Nacho Deschamps - Group Head, International Banking and Digital Transformation Jake Lawrence - CEO, Group Head, Global Banking and Market ...

The Bank of Nova Scotia (NYSE:BNS) Q4 2021 Results Earnings Conference Call November 30, 2021 8:00 AM ET Company Participants John McCartney - Head of Investor Relations Brian Porter - President & Chief Executive Officer Raj Viswanathan - Chief Financial Officer Phil Thomas - Chief Risk Officer Dan Rees - Group Head, Canadian Banking Glen Gowland - Group Head, Global Wealth Management Nacho Deschamps - Group Head, International Banking and Digital Transformation Jake Lawrence - CEO, Group Head, Global Banki ...