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The Bank of Nova Scotia
The Bank of Nova Scotia (BNS) investor relations material
The Bank of Nova Scotia Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary24 Feb, 2026
Executive summary
Adjusted Q1 2026 net income was CAD 2.7 billion, or CAD 2.05 per share, up 16% year-over-year, with all business lines reporting earnings growth and strong capital position; reported net income was $2,299 million, up 131% year-over-year, and diluted EPS was $1.73.
ROE was 13% (adjusted), up 120 basis points year-over-year, tracking ahead of medium-term targets, with expectations to surpass 14% ROE a year ahead of plan.
82% of Q1 2026 earnings derived from North America, with strategic focus on organic growth, technology and AI investments, and disciplined capital deployment including share buybacks.
Financial highlights
Total revenue was $9,646 million, up from $9,372 million year-over-year; adjusted revenue up 11% year-over-year, with net interest income up 13% and non-interest income up 10%.
Expenses increased 7% year-over-year (adjusted), mainly due to higher personnel and technology costs, but positive operating leverage of 4.2% was achieved; non-interest expenses were $5,299 million, down 18% reported.
CET1 capital ratio stood at 13.3%, up 10 basis points quarter-over-quarter, after repurchasing 4.9 million shares.
Pre-tax, pre-provision profit rose 16% year-over-year, partly offset by $1.1 billion in provisions for credit losses (PCLs), which increased slightly to $1,176 million.
Outlook and guidance
ROE expected to expand across all business units, with Canadian Banking targeted for the largest increase; management confident in achieving ROE above 14% by 2027, one year ahead of plan.
Impaired PCLs anticipated to remain elevated in the first half of the year, trending lower in the latter half as macro conditions improve.
Deposit margin expansion and business mix improvements are key drivers for 2026 and 2027 performance.
What drives the accelerated 14% ROE target
Detail Canadian retail impaired loan formations
Explain the $423M divestiture loss in Q1 2026
Is the impaired PCL glide path higher than Q4?
When will meaningful loan growth emerge?
Balance efficiency with future tech investments
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Next The Bank of Nova Scotia earnings date
2026 RBC Capital Markets Global Financial Institutions Conference11 Mar, 2026
The Bank of Nova Scotia
Next The Bank of Nova Scotia earnings date
2026 RBC Capital Markets Global Financial Institutions Conference11 Mar, 2026
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Bank of Nova Scotia, operating as Scotiabank, provides various banking products and services in North America, Latin America, the Caribbean and Central America, and internationally. The company offers financial advice and solutions, including transactional accounts, chequing accounts, savings accounts and term deposits.
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