The Bank of Nova Scotia provides various banking products and services in Canada, the United States, Mexico, Peru, Chile, Colombia, the Caribbean and Central America, and internationally. It operates in four segments: Canadian Banking, International Banking, Global Wealth Management, and Global Banking and Markets. The company offers financial advice and solutions, and day-to-day banking products, including debit and credit cards, chequing and saving accounts, investments, mortgages, loans, and insurance to individuals; and business banking solutions comprising lending, deposit, cash management, and trade finance solutions to small, medium, and large businesses, including automotive financing solutions to dealers and their customers. It also provides wealth management advice and solutions, including online brokerage, mobile investment, full-service brokerage, trust, private banking, and private investment counsel services; and retail mutual funds, exchange traded funds, liquid alternative funds, and institutional funds. In addition, the company offers international banking services for retail, corporate, and commercial customers; and lending and transaction, investment banking advisory, and capital markets access services to corporate customers. Further, it provides online, mobile, and telephone banking services. The company operates a network of 954 branches and approximately 3,766 automated banking machines in Canada; and approximately 1,300 branches and a network of contact and support center internationally. The Bank of Nova Scotia was founded in 1832 and is headquartered in Halifax, Canada.

The Bank of Nova Scotia

Loans

Loans %Chg

Loans Common Size

Securities

Securities %Chg

Securities Common Size

Securities Purchased Under Resale Agreements and Securities Borrowed

Securities Purchased Under Resale Agreements and Securities Borrowed %Chg

Securities Purchased Under Resale Agreements and Securities Borrowed Common Size

Deposits with Financial Institutions

Deposits with Financial Institutions %Chg

Deposits with Financial Institutions Common Size

Total Interest Income

Total Interest Income %Chg

Total Interest Income Common Size

Deposits

Deposits %Chg

Deposits Common Size

Subordinated Debentures

Subordinated Debentures %Chg

Subordinated Debentures Common Size

Other

Other %Chg

Other Common Size

Total Interest Expense

Total Interest Expense %Chg

Total Interest Expense Common Size

Net Interest Income

Net Interest Income %Chg

Net Interest Income Common Size

Banking

Banking %Chg

Banking Common Size

Card Revenues

Card Revenues %Chg

Card Revenues Common Size

Banking Services Fees

Banking Services Fees %Chg

Banking Services Fees Common Size

Credit Fees

Credit Fees %Chg

Credit Fees Common Size

Mutual Funds

Mutual Funds %Chg

Mutual Funds Common Size

Brokerage Fees

Brokerage Fees %Chg

Brokerage Fees Common Size

Investment Management and Trust

Investment Management and Trust %Chg

Investment Management and Trust Common Size

Underwriting and Advisory Fees

Underwriting and Advisory Fees %Chg

Underwriting and Advisory Fees Common Size

Non-Trading Foreign Exchange

Non-Trading Foreign Exchange %Chg

Non-Trading Foreign Exchange Common Size

Trading Revenues

Trading Revenues %Chg

Trading Revenues Common Size

Net Gain on Sale of Investment Securities

Net Gain on Sale of Investment Securities %Chg

Net Gain on Sale of Investment Securities Common Size

Net Income from Investments in Associated Corporations

Net Income from Investments in Associated Corporations %Chg

Net Income from Investments in Associated Corporations Common Size

Insurance Underwriting Income, Net of Claims

Insurance Underwriting Income, Net of Claims %Chg

Insurance Underwriting Income, Net of Claims Common Size

Insurance Service Results

Insurance Service Results %Chg

Insurance Service Results Common Size

Other Fees and Commissions

Other Fees and Commissions %Chg

Other Fees and Commissions Common Size

Total Non-Interest Income

Total Non-Interest Income %Chg

Total Non-Interest Income Common Size

Total Revenue

Total Revenue %Chg

Total Revenue Common Size

Provision for Credit Losses

Provision for Credit Losses %Chg

Provision for Credit Losses Common Size

Net Operating Revenue

Net Operating Revenue %Chg

Net Operating Revenue Common Size

Net Revenue

Net Revenue %Chg

Net Revenue Common Size

Total Revenue After Provision for Credit Losses

Total Revenue After Provision for Credit Losses %Chg

Total Revenue After Provision for Credit Losses Common Size

Salaries and Employee Benefits

Salaries and Employee Benefits %Chg

Salaries and Employee Benefits Common Size

Premises and Technology

Non-Interest Income

Non-Interest Income %Chg

Non-Interest Income Common Size

Total Revenues Before Provision for Credit Losses

Total Revenues Before Provision for Credit Losses %Chg

Total Revenues Before Provision for Credit Losses Common Size

Total Revenues After Provision for Credit Losses

Total Revenues After Provision for Credit Losses %Chg

Total Revenues After Provision for Credit Losses Common Size

Compensation Expenses

Compensation Expenses %Chg

Compensation Expenses Common Size

Selling, General & Administrative Expenses

Selling, General & Administrative Expenses %Chg

Selling, General & Administrative Expenses Common Size

Premises and Technology %Chg

Premises and Technology Common Size

Communications

Communications %Chg

Communications Common Size

Advertising and Business Development

Revenue

EBIT

EBITDA

CapEx

Assets

Adjusted EBITDA

Gross Profit

Adjusted Net Income

Net Income

Average Assets

Adjusted EBIT

Adjusted Revenue

Adjusted EBT

Adjusted Funds From Operations

Income Statement	Oct '25	Apr '25	Oct '24	Apr '24	Oct '23	Apr '23
Net Interest Income	11,079	10,443	9,785	9,467	9,239	9,023
Total Interest Income
Total Interest Expense
Non-Interest Income	8,210	8,009	7,105	7,313	7,100	6,852
Banking
Card Revenues
Banking Services Fees
Credit Fees
Mutual Funds
Brokerage Fees
Investment Management and Trust
Underwriting and Advisory Fees
Non-Trading Foreign Exchange
Trading Revenues
Net Gain on Sale of Investment Securities
Net Income from Investments in Associated Corporations
Insurance Underwriting Income, Net of Claims
Insurance Service Results
Other Fees and Commissions
Other
Total Revenues Before Provision for Credit Losses	19,289	18,452	16,890	16,780	16,339	15,875
Total Revenues Before Provision for Credit Losses %Chg	14.2%	10%	3.4%	5.7%	5.9%	-0.7%
Total Revenue
Provision for Credit Losses	2,154	2,560	2,082	1,969	2,075	1,347
Provision for Credit Losses
Total Revenues After Provision for Credit Losses	17,135	15,892	14,808	14,811	14,264	14,528
Total Revenue After Provision for Credit Losses
Net Operating Revenue
Net Revenue
Compensation Expenses	5,474	5,350	4,954	4,901	4,828	4,762
Salaries and Employee Benefits
Selling, General & Administrative Expenses	2,670	2,563	2,419	2,265	2,278	2,129
Premises and Technology
Communications
Advertising and Business Development
Professional
Other Non-Interest Expenses	2,773	3,688	2,872	2,284	2,980	2,144
Depreciation and Amortization
Business and Capital Taxes
Other
Total Non-Interest Expense	10,917	11,601	10,245	9,450	10,086	9,035
Total Non-Interest Expenses
Income Before Provision for Income Taxes	6,218	4,291	4,563	5,361	4,178	5,493
Income Before Taxes
Provision for Income Taxes	1,485	1,266	962	1,070	632	1,589
Income Tax Expense
Consolidated Net Income	4,733	3,025	3,601	4,291	3,546	3,904
Net Income
Net Income Attributable to Minority Interests and Other	67	-98	83	51	51	61
Net Income Attributable to Non-Controlling Interests in Subsidiaries
Net Income Attributable to Preferred Dividends	249	257	241	231	214	205
Preferred Shareholders and Other Equity Instrument Holders
Net Income Attributable to Common Shareholders	4,417	2,866	3,277	4,009	3,281	3,638
Net Income Attributable to Common Shareholders
Common Shareholders
Basic EPS	3.5	2.3	2.7	3.3	2.7	3.1
Diluted EPS	3.5	2.2	2.6	3.3	2.7	3
Basic Weighted Average Shares Outstanding	1,243	1,245	1,234	1,218	1,202	1,192
Diluted Weighted Average Shares Outstanding	1,246	1,250	1,239	1,225	1,209	1,199
Total Shares Outstanding	1,236	1,245.5	1,244.4	1,229.6	1,214	1,198.2
EBITDA	808	796	929	831	1,002	818
Effective Tax Rate	23.9%	29.5%	21.1%	20%	15.1%	28.9%