The Bank of Nova Scotia(BNS) - 2025 Q4 - Earnings Call Presentation

Financial Highlights - FY25 Pre-Tax Pre-Provision earnings increased by 9%, with adjusted earnings up by 15%[13] - FY25 revenues increased by 12%[15] - Q4 Return on equity was 11%, with adjusted return on equity at 12.5%, a year-over-year increase of 190 bps[15] - The company repurchased 10.8 million shares in FY25[15] - CET1 ratio stood at 13.2%[15] Segment Performance - Canadian Banking: Q4 pre-tax pre-provision earnings increased by 3% year-over-year[15] - International Banking: Q4 Net Interest Margin (NIM) increased by 12 bps year-over-year[15] - Global Wealth Management: FY25 net income increased by 18%, with operating leverage of 1.6% and net sales improved by $11.5 billion[15] - Global Banking and Markets: FY25 net income increased by 30%, with underwriting and advisory fees up by 35%[15] Capital Position and Risk Management - Q/Q CHANGE IN CET1 RATIO decreased by ~10 basis points Q/Q[25] - Total ACL ratio of 98 bps, up 2 bps Q/Q[57] - GILs are higher Q/Q by $354 million due primarily to formations mainly in Canadian Retail and Corporate portfolios, as well as the impact of foreign currency translation[68]