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The Bank of Nova Scotia (BNS) investor relations material
The Bank of Nova Scotia Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025
Leadership transition and strategic priorities
New CEO focused on building a talented leadership team and rewiring the organization for urgent execution.
Three key priorities: expense stabilization, organic growth, and payments transformation.
Strong brand and culture resonance with clients, with opportunities to deepen relationships by interconnecting products.
Consistent delivery to investors remains a focus.
Progress on expense management and growth
Seven consecutive quarters of stable expenses, supporting positive operating leverage and investment in growth.
Fee growth trends are strengthening, with a balanced mix across payments, trust/investments, and consumer fees.
Substantial balance sheet repositioning has set up better net interest income growth.
Payments transformation is underway, leveraging a unique and hard-to-replicate franchise.
Technology and investment strategy
Annual tech investment of $2.5 billion, with two-thirds focused on growth and one-third on system maintenance.
Investments target simple architecture, cloud utilization, product development, and technology reusability.
Additional investments in sales, marketing, brand, and distribution to drive franchise growth.
USMCA tariff exposure and impact?
How will Scene+ drive credit card growth?
What is the primary credit concern for Scotiabank?
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Next The Bank of Nova Scotia earnings date
Q4 20252 Dec, 2025
Next The Bank of Nova Scotia earnings date
Q4 20252 Dec, 2025
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Frequently asked questions
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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